Romero Law, APC: Understanding Your Rights Against Debt Collection Firms
Debt collection law firms like Romero Law, APC often represent creditors in lawsuits against consumers. If you’ve received a collection notice or legal action from this firm, it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA) and take steps to protect yourself. Debt collectors must follow strict legal guidelines, and if they violate your rights, you have legal options to fight back.
📍 Contact Information for Romero Law, APC
📍 Address: 251 South Lake Avenue, Suite 930, Pasadena, CA 91101
📞 Phone: (626) 396-9900
🌐 Website
🔎 BBB Profile
💰 Debt Collection Lawsuits: What You Need to Know
If Romero Law, APC is attempting to collect a debt from you, they may file a lawsuit on behalf of a creditor. Understanding how debt collection lawsuits work is crucial:
- You Have the Right to Respond: If you receive a lawsuit notice, do not ignore it—you must respond within the required timeframe.
- Debt Collectors Must Prove Their Case: They must provide accurate documentation proving that you owe the debt.
- Statute of Limitations Matters: Some debts are too old to be legally collected.
🔹 Learn more: Do collection agencies sue and what to do next if I am sued?
📌 How to Protect Yourself from Aggressive Debt Collectors
Debt collection firms sometimes use pressure tactics that violate consumer protection laws. Here’s how to protect yourself:
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Request Validation: If a debt collector contacts you, request written verification of the debt before making any payments.
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Know Your Legal Defenses: If the debt is inaccurate, expired, or belongs to someone else, you can dispute it.
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Keep Records: Maintain detailed records of all communication with debt collectors in case of legal disputes.
🔹 Learn more: How to fight a collection agency
📉 Debt Collection and Credit Score Impact
If a collection firm like Romero Law, APC reports a debt to credit bureaus, it can damage your credit score. A negative mark on your credit report can:
- Lower your credit score and make it harder to qualify for loans.
- Stay on your credit report for up to seven years if unresolved.
- Lead to wage garnishment or bank account levies if a judgment is issued.
🔹 Learn more: How many years can a debt collector come after you?
📢 Don’t Let Debt Collectors Take Advantage of You! Take Action Today
At Consumer Rights Law Firm PLLC, we fight for consumers who are being harassed, misled, or sued by debt collection firms like Romero Law, APC. If you’re facing collection actions, you have rights!
📞 Call us now: Consumer Rights Law Firm PLLC Contact Page
⚠️ Debt collectors don’t get the final say—you do! Take action now to stop harassment and fight back against unfair collection practices.