Law Offices of Hemar & Associates: Protecting Your Rights Against Debt Collection
If the Law Offices of Hemar & Associates have contacted you regarding a debt, it’s crucial to understand your rights and options before taking action. While legitimate debt collection agencies follow the law, some use aggressive tactics that violate consumer protections. Knowing how to handle debt collection attempts properly can help you avoid financial and legal trouble.
📌 Understanding Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair and abusive debt collection practices. Debt collectors must follow legal guidelines when attempting to collect payments.
🚨 Recognizing Debt Collector Violations
Debt collectors cannot engage in these illegal practices:
- 📞 Excessive Calling – Repeated calls, especially outside normal hours, may constitute harassment.
- ⚖️ False Legal Threats – A collector cannot claim they will sue you unless they genuinely intend to.
- 💰 Inflated Debt Amounts – Some agencies add unauthorized fees or interest charges.
- 🔊 Public Disclosure – Discussing your debt with your employer or family violates your privacy.
🔗 Can a debt collector lie to me?
📢 How to Stop Harassment
If a collector is violating the FDCPA:
- 📝 Send a Cease-and-Desist Letter – Demand they stop contacting you.
- ⚖️ Report Violations – File a complaint with the Federal Trade Commission (FTC) or your state attorney general.
- 📂 Keep Records – Save voicemails, letters, and emails as evidence.
🔗 Can a debt collector swear at me?
📌 How to Handle a Debt Collection Lawsuit
If the Law Offices of Hemar & Associates have sued you, act quickly to protect yourself from a default judgment.
📄 Responding to a Lawsuit Properly
- ⏳ Meet the Deadline – You typically have 20–30 days to respond.
- 🧐 Verify the Debt – Ensure the lawsuit is for a valid debt and not a mistake.
- 📑 File a Legal Answer – A formal response prevents the court from ruling against you automatically.
🔗 Do collection agencies sue and what to do next if I am sued?
⚖️ Negotiating a Settlement
- 💵 Offer a Lump-Sum Payment – Some creditors accept less than the full amount.
- 📜 Set Up a Payment Plan – Negotiate manageable monthly payments.
- ❌ Avoid Verbal Agreements – Always get settlement terms in writing.
🔗 How to fight a collection agency
📞 Contact Information for Law Offices of Hemar & Associates
- 📍 Address: 200 Spectrum Center Drive, Suite 300, Irvine, CA 92618
- 📞 Phone: (949) 453-8785
- 🏆 BCG Profile
⚖️ Get Legal Help from Consumer Rights Law Firm PLLC
If the Law Offices of Hemar & Associates are harassing you, suing you, or violating your rights, you don’t have to face them alone. Consumer Rights Law Firm PLLC helps protect consumers from aggressive debt collection tactics.
📞 Call us today at 877-700-5790 for a free consultation.
🖱️ Visit our contact page to explore your legal options.
🔹 Take control of your financial rights—don’t let debt collectors intimidate you!