Understanding Herzlich & Blum, LLP: Debt Collection Practices and Consumer Rights
Dealing with debt collection agencies can be a daunting experience. One such agency, Herzlich & Blum, LLP, operates within the legal framework to recover outstanding debts. This article delves into their practices and offers guidance on how consumers can protect their rights.
Who Are Herzlich & Blum, LLP?
❓ Herzlich & Blum, LLP is a law firm based in Encino, California, specializing in debt collections. With a small team of attorneys, including Allan Herzlich and Jerome Blum, the firm focuses on assisting creditors in recovering debts through legal means.
Common Practices in Debt Collection
📈 Debt collection agencies like Herzlich & Blum, LLP employ various strategies to recover owed amounts. Understanding these practices can help consumers navigate interactions more effectively:
- Initial Contact: Agencies often begin with letters or phone calls to inform individuals of their debt and request payment.
- Negotiation Attempts: Collectors may propose payment plans or settlements to facilitate repayment.
- Legal Action: If initial efforts fail, agencies might file lawsuits to obtain judgments, enabling wage garnishments or liens.
Your Rights as a Consumer
🛡️ It’s crucial to be aware of your rights when dealing with debt collectors:
- Right to Validation: You can request written verification of the debt, ensuring its accuracy.
- Protection from Harassment: Collectors are prohibited from using abusive language or making threats.
- Privacy Rights: Your personal information must be handled confidentially.
For more details on consumer rights, visit Consumer Rights Law Firm PLLC.
Steps to Take If Contacted by Herzlich & Blum, LLP
- Stay Calm and Gather Information: Note the details of the debt and the collector’s credentials.
- Request Debt Validation: Within 30 days of contact, ask for written proof of the debt.
- Review Your Records: Compare the debt details with your records to identify discrepancies.
- Know the Statute of Limitations: Debts have a legal timeframe for collection; ensure the debt isn’t time-barred.
- Consider Professional Advice: Consult a consumer rights attorney if you believe your rights are being violated.
Protecting Yourself from Unfair Practices
- Document All Interactions: Keep records of all communications with the agency.
- Communicate in Writing: Written correspondence provides a paper trail for future reference.
- Report Misconduct: If you experience harassment or illegal practices, file complaints with relevant authorities.
About Herzlich & Blum, LLP
Herzlich & Blum, LLP is located at:
📍 15760 Ventura Boulevard, Suite 2024
📍 Encino, CA 91436
📞 Phone: (818) 783-8991
For more information, visit their Better Business Bureau profile or their official website.
How Consumer Rights Law Firm PLLC Can Help
If you’re facing aggressive debt collection tactics from Herzlich & Blum, LLP, you don’t have to handle it alone. Consumer Rights Law Firm PLLC specializes in defending consumers against unfair debt collection practices. Their experienced attorneys can help you understand your rights and take action if necessary.
📞 Contact Consumer Rights Law Firm PLLC today: Get in Touch or call (877) 700-5790 for a free consultation.
Understanding your rights and the practices of agencies like Herzlich & Blum, LLP empowers you to handle debt collection processes confidently and legally.