Law Offices of Ferris & Selby: Safeguarding Your Rights in Debt Collection Matters
If you’ve been contacted by the Law Offices of Ferris & Selby regarding a debt, it’s essential to understand your rights and the appropriate steps to protect yourself. Below, we address two critical aspects: identifying and disputing inflated debt amounts and handling misrepresentations of legal consequences by debt collectors.
📌 Identifying and Disputing Inflated Debt Amounts
Debt collectors are legally obligated to collect only the amount you owe. However, some may attempt to add unauthorized fees or inflate the debt. Recognizing and disputing these inflated amounts is crucial.
🔍 1. Scrutinize the Debt Details
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Request a Debt Validation Letter: Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a detailed validation of the debt. This letter should outline the original amount, any interest or fees, and the original creditor’s information.
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Compare with Your Records: Cross-reference the details provided with your records. Look for discrepancies in the principal amount, interest rates, or any additional fees.
✍️ 2. Dispute Unauthorized Charges
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Send a Written Dispute: If you identify unauthorized charges, send a written dispute to the debt collector within 30 days of receiving the validation letter. Clearly outline the discrepancies and provide supporting documentation.
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Contact the Original Creditor: Reach out to the original creditor to verify the debt amount and inquire about any authorized fees or interest.
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File a Complaint if Necessary: If the debt collector persists with inflated amounts, consider filing a complaint with the (CFPB) or your state’s attorney general’s office.
⚖️ Handling Misrepresentations of Legal Consequences by Debt Collectors
Some debt collectors may resort to unethical practices, such as misrepresenting the legal consequences of non-payment, to intimidate consumers into paying. It’s vital to recognize these tactics and respond appropriately.
🚫 1. Recognize False Threats
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No Immediate Arrest: Debt collectors cannot have you arrested for failing to pay a debt. Threats of arrest are illegal and violate the FDCPA.
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Exaggerated Legal Actions: Claims that non-payment will result in immediate lawsuits, wage garnishment, or property liens without due process are misleading.
🛡️ 2. Protect Yourself Against Misrepresentations
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Document All Communications: Keep detailed records of all interactions with the debt collector, including dates, times, and the nature of the communication.
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Assert Your Rights: Inform the debt collector that you are aware of your rights under the FDCPA and that you will not tolerate abusive or deceptive practices.
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Seek Legal Counsel: If a debt collector continues to misrepresent legal consequences, consult with an attorney experienced in consumer rights. They can provide guidance and, if necessary, take legal action against the collector.
📞 Contact Information for Law Offices of Ferris & Selby
- Address: 2607 Forest Ave, Suite 130, Chico, CA 95928
- Phone: (530) 343-0100
- Website
📢 Need Assistance? Contact Consumer Rights Law Firm PLLC
If you’re dealing with aggressive debt collection tactics or have concerns, we can help. We specialize in protecting consumers from unfair debt collection practices and can guide you through the process of disputing inflated debts and addressing misrepresentations.
- Phone: 877-700-5790
- Contact Us: Visit our contact page
Empower yourself with knowledge and take control of your financial well-being. Don’t let debt collectors intimidate you—know your rights and stand firm.