Understanding Howard Gold, APLC, and Your Legal Rights
If you’ve been contacted by Howard Gold, APLC, regarding a debt, it’s essential to understand your rights and the limitations on creditor actions. Being informed empowers you to handle such situations effectively.
Who Is Howard Gold, APLC?
Howard Gold is a practicing attorney based in Camarillo, California, specializing in various legal services, including debt-related matters.
Contact Information:
- Address: 484 Mobil Ave #26, Camarillo, CA 93010
- Phone: (805) 388-8800
For more details, you can visit their profile on the state bar of California.
Your Rights When Dealing with Past-Due Debt
Understanding your rights is crucial when managing past-due debts. The Fair Debt Collection Practices Act (FDCPA) outlines what creditors can and cannot do.
What Creditors Can Do
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Contact You: Creditors can reach out to discuss the debt, but within reasonable hours.
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Report to Credit Bureaus: They can report delinquent accounts, impacting your credit score.
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File a Lawsuit: If the debt remains unpaid, creditors may pursue legal action.
What Creditors Cannot Do
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Harass or Threaten: They cannot use abusive language or threats.
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Misrepresent Themselves: Pretending to be law enforcement or attorneys is prohibited.
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Contact at Inconvenient Times: Calls before 8 AM or after 9 PM are not allowed.
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Discuss Your Debt with Others: They cannot share your debt information with unauthorized parties.
📌 Read More: Can a debt collector lie to me?
How to Dispute an Inaccurate Debt on Your Credit Report
If you find an error on your credit report, it’s vital to address it promptly to maintain your financial health.
Steps to Dispute Inaccurate Debt
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Obtain Your Credit Reports: Request reports from the major credit bureaus—Equifax, Experian, and TransUnion.
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Identify Errors: Look for debts that are incorrect, outdated, or unrecognized.
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Gather Supporting Documents: Collect any evidence that supports your claim, such as payment records.
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Submit a Dispute: Contact the credit bureau(s) reporting the error, providing a detailed explanation and supporting documents.
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Follow Up: The bureau must investigate within 30 days. Ensure you receive a response and that corrections are made if necessary.
📌 Read More: Can a debt collector send a fake summons?
How Consumer Rights Law Firm PLLC Can Assist You with Howard Gold, APLC
At Consumer Rights Law Firm PLLC, we are dedicated to protecting consumers from unfair debt collection practices and ensuring their rights are upheld.
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Legal Consultation: We provide expert advice tailored to your unique situation, helping you understand your rights and options.
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Dispute Resolution: Our team assists in challenging inaccurate debts and rectifying credit report errors.
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Defense Against Unlawful Practices: We represent clients facing harassment or illegal actions by debt collectors, ensuring compliance with the FDCPA.
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Negotiation Support: Our attorneys negotiate with creditors to establish manageable repayment plans or settlements.
📌 Read More: Can a debt collector threaten me with criminal charges or imprisonment?
Take Control of Your Financial Future
If you’re dealing with debt-related challenges, proactive steps can make a significant difference. Understanding your rights and having the right support is crucial.
📞 Call Consumer Rights Law Firm PLLC at (877) 700-5790 for immediate assistance.
🔗 Contact us today to schedule a free consultation and safeguard your financial well-being.
This article is for informational purposes only and does not constitute legal advice. Please consult us directly for personalized guidance.