Understanding Debt Collection with Clayson, Mann, Yaeger & Saunders
If Clayson, Mann, Yaeger & Saunders has contacted you about a debt, take control of the situation by understanding your rights and available options.
Who is Clayson, Mann, Yaeger & Saunders?
Clayson, Mann, Yaeger & Saunders is a law firm engaged in debt collection and creditor representation. They assist businesses in recovering outstanding debts and may take legal action against consumers who fail to pay. If you’ve received communication from them, verify the debt before making any payments.
Contact Information:
- Address: 601 S. Main Street, Corona, CA 92882
- Phone: (951) 737-1910
- Website: claysonlaw.com
- Better Business Bureau (BBB) Profile: Clayson, Mann, Yaeger & Saunders BBB Page
Steps to Take If They Contact You
1. Validate the Debt
You have the legal right to request verification of the debt before making any payments. Send a written request within 30 days of their initial contact. If they fail to provide valid proof, they cannot legally pursue collection.
2. Review Your Credit Report
Check your credit report for accuracy. If the debt does not appear, or if details do not match, you may have grounds for a dispute. Learn how to handle credit reporting issues here.
3. Know Your Rights Under the FDCPA
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA), which protects you from harassment, false claims, and unfair practices. If they violate your rights, file a complaint with the (CFPB) or consult with an attorney.
Debt Collection Harassment: How to Respond
Harassment from debt collectors violates federal law. Recognize the signs and take action:
- Excessive or threatening calls – Collectors cannot call at unreasonable hours or use intimidation tactics.
- False statements – They cannot misrepresent the amount owed or claim legal action when none exists.
- Public shaming – Discussing your debt with others is illegal.
If you experience any of these behaviors, send a cease and desist letter and document all interactions.
Credit Reporting Errors: Protect Your Financial Health
Errors on your credit report can lower your credit score and cause financial difficulties. Follow these steps to fix inaccuracies:
- Obtain your credit report from all three major credit bureaus.
- Identify and document errors, including incorrect balances, duplicate accounts, or debts that don’t belong to you.
- File a dispute with the credit bureau and provide supporting evidence.
- Follow up to ensure corrections appear on your updated report.
Identity Theft: Prevent and Respond
Debt collectors may contact you for debts resulting from identity theft. Protect yourself by:
- Monitoring financial accounts for suspicious activity.
- Using strong, unique passwords for banking and credit accounts.
- Placing a fraud alert on your credit report if you suspect identity theft.
- Reporting stolen identity information to the Federal Trade Commission (FTC) and your financial institutions.
How Consumer Rights Law Firm PLLC Can Help with Clayson, Mann, Yaeger & Saunders
At Consumer Rights Law Firm PLLC, we protect consumers from unfair debt collection practices. Our team offers:
- Debt Validation Assistance – Ensuring the debt is legitimate before you pay.
- Legal Representation – Fighting against wrongful collection attempts.
- Negotiation Support – Helping you settle debts for lower amounts.
- Identity Theft Recovery – Assisting in clearing fraudulent accounts from your record.
Contact us today at 877-700-5790 or reach out online for a free consultation.
Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult an attorney for legal guidance.