Law Offices of Crystal Moroney, P.C.: Protecting Your Rights Against Debt Collection Tactics
If the Law Offices of Crystal Moroney, P.C. has contacted you about a debt, you must understand your legal rights and the best ways to respond. Many consumers panic when dealing with law firms that handle debt collection, but staying informed can help you negotiate, dispute, or even fight back against unfair practices.
Below, we explore how to dispute a debt when a law firm is involved and how to recognize and prevent debt collection scams.
🛑 How to Dispute a Debt When a Law Firm Is Involved
When a debt collection law firm contacts you, don’t assume the debt is valid. You have the legal right to dispute it if you believe there is an error. Follow these steps to protect yourself:
📌 Request Debt Validation – Under the FDCPA, debt collectors must provide proof that you owe the debt. If you send a written request within 30 days, they must provide documentation before continuing collection efforts.
📝 Check for Errors and Inaccuracies – Review the details of the alleged debt. If the amount is incorrect, the statute of limitations has expired, or it isn’t yours, you may be able to challenge it.
💡 Keep Everything in Writing – Avoid discussing your debt over the phone. Communicate through certified mail to maintain a paper trail in case you need to defend yourself in court.
⚖ Seek Legal Assistance if Necessary – If a debt collection firm fails to validate the debt but continues to pursue you, they may be violating your rights. Consider consulting a consumer protection attorney for guidance.
🚨 Recognizing and Preventing Debt Collection Scams
Scammers often pretend to be law firms to pressure consumers into paying fake debts. Here’s how to spot and avoid them:
📞 Check Their Credentials – Verify if the law firm contacting you is legitimate. Cross-check their information with the Better Business Bureau (BBB) and state bar association records.
❌ Beware of Threats and Harassment – If a supposed law firm threatens arrest, wage garnishment, or lawsuits without proof, they may be engaging in illegal practices. Learn more about how debt collectors are allowed to contact you.
💳 Never Give Banking Information Upfront – Fraudsters may pressure you into making an immediate payment over the phone. Always verify the debt before paying anything.
🛡️ Know Your Rights – If a debt collector falsely claims to be an attorney, this is a violation of the FDCPA. Learn how to fight back against misleading debt collection practices.
📍 Contact Information for Law Offices of Crystal Moroney, P.C.
- Address: 17 Squadron Boulevard, Suite 306, New City, NY 10956
- Phone: (845) 639-2411
- BBB Profile
If you’re dealing with aggressive debt collection tactics or have questions about disputing a debt, Consumer Rights Law Firm PLLC is here to help. Contact us today or call 877-700-5790 for a free consultation.
📌 Disclaimer: This article is for informational purposes only and does not constitute legal advice.