Are You Receiving Calls from Hemming & Associates, P.C.?
If Hemming & Associates, P.C. has been contacting you about a debt, you may be wondering about your rights and options. Dealing with debt collectors can be stressful, but understanding the law and your choices can help you navigate the situation with confidence.
🏢 Who Is Hemming & Associates, P.C.?
Hemming & Associates, P.C. is a law firm that focuses on debt collection. They may represent creditors or debt buyers and could take legal action if a debt remains unpaid. If you’ve received a letter or phone call from them, it’s crucial to verify the legitimacy of the debt before making any payments.
✅ Steps to Stop Hemming & Associates, P.C. Collections
📌 1. Validate the Debt
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a debt validation letter. This document should include details about the original creditor, the amount owed, and proof that the agency has the authority to collect the debt.
⚖️ 2. Understand Your Rights
The Fair Debt Collection Practices Act (FDCPA) Guide protects consumers from unfair collection practices. Debt collectors cannot:
- Harass, threaten, or intimidate you
- Call at inconvenient times (before 8 AM or after 9 PM)
- Misrepresent the amount owed
- Continue contacting you after a written request to stop
If Hemming & Associates, P.C. violates your rights, you may be able to take legal action.
💰 3. Explore Debt Settlement Options
Negotiating a settlement with Hemming & Associates, P.C. may allow you to:
- Pay a reduced lump sum to settle the debt
- Arrange a structured payment plan
- Request a “pay for delete” agreement to remove the account from your credit report
A debt negotiation attorney can help you get the best possible terms and ensure the agreement is legally binding.
📝 4. Dispute Inaccurate Credit Report Information
If Hemming & Associates, P.C. has reported incorrect debt information to the credit bureaus, you can dispute it. The Fair Credit Reporting Act (FCRA) Guide gives you the right to challenge inaccurate, outdated, or unverifiable debt records.
🚫 5. Stop Harassment & Unwanted Contact
You have the right to request that they cease communication with you. Send a written request via certified mail, keeping a copy for your records. If they continue contacting you, they may be violating federal laws.
🚨 What to Do If Hemming & Associates, P.C. Sues You
Ignoring a lawsuit can result in wage garnishment or bank account levies. If you receive a summons:
- Do not ignore it—respond within the deadline stated
- Consult a debt defense attorney to review your legal options
- Challenge the lawsuit by requesting proof of the debt’s validity
- Negotiate a settlement before the case goes to court
📢 Contact Consumer Rights Law Firm PLLC for Help
If anyone is harassing you over a debt, you don’t have to face them alone. Consumer Rights Law Firm PLLC helps consumers fight back against unfair collection practices. Call (877) 700-5790 today to discuss your options and protect your rights.
🔍 Additional Resources
Don’t let debt collectors intimidate you—know your rights and take action today!