Law Offices of Kenosian & Miele LLP: Understanding Your Rights Against Debt Collectors
If the Law Offices of Kenosian & Miele LLP has contacted you about a debt, it’s important to understand your rights and options. Debt collection firms must follow legal guidelines when attempting to recover debts, and consumers have protections under the Fair Debt Collection Practices Act (FDCPA).
⚖️ Recognizing Unlawful Debt Collection Practices
Debt collectors often use aggressive tactics, but some methods violate federal law. Knowing what is legal and what is not can protect you from abusive practices.
🚨 Common FDCPA Violations
- 📞 Harassing Calls – Debt collectors cannot call excessively or use threatening language.
- 📍 Misrepresenting the Debt – They cannot lie about the amount owed or falsely claim legal action is pending.
- 🏢 Workplace Contact – They cannot disclose your debt to your employer or co-workers.
- 📝 Failure to Provide Written Validation – Within five days of first contact, a collector must provide written proof of the debt.
🔗 Can a debt collector threaten me with criminal charges?
🛑 Steps to Take If You’re Facing Debt Collection Pressure
Debt collection pressure does not mean you should immediately pay—especially if you’re unsure about the validity of the claim. Here’s how to respond:
📩 Demand Debt Validation
- ✍️ Send a Written Request – Ask for a detailed breakdown of the amount owed.
- 📜 Check for Errors – Ensure the debt belongs to you and is not past the statute of limitations.
- 🚨 Watch for Scams – Some debt collectors attempt to collect debts you don’t owe.
🔗 Can a debt collector lie to me?
📌 Know Your Legal Defenses
- 🛡️ Statute of Limitations – If the debt is too old, you cannot be sued for it.
- 📋 Lack of Documentation – If the collector cannot prove ownership of the debt, they may have no legal claim.
- ⚖️ Bankruptcy Protections – If you’ve filed for bankruptcy, some debts may be uncollectible.
🔗 Can a debt collector pretend to be a lawyer?
⚠️ What to Do If Kenosian & Miele LLP Files a Lawsuit
If a debt collection lawsuit has been filed against you, do not ignore it. A failure to respond could result in a default judgment, leading to wage garnishment or bank account levies.
🔹 How to Respond to a Debt Lawsuit
- 📑 File a Timely Answer – You have a limited time to respond to the lawsuit in court.
- 🕵️ Challenge the Evidence – Force the debt collector to prove ownership of the debt.
- 🤝 Consider Settlement – Negotiating may lower the total amount owed.
🔗 Do collection agencies file lawsuits?
📞 Contact Information for Law Offices of Kenosian & Miele LLP
- 📍 Address: 8581 Santa Monica Blvd, West Hollywood, CA 90069
- 📞 Phone: (888) 566-7644
- 🏆 BBB Profile
🔹 Get Legal Help from Consumer Rights Law Firm PLLC
If the Law Offices of Kenosian & Miele LLP is pressuring you for a debt, don’t face them alone. Consumer Rights Law Firm PLLC can help you fight back against unlawful collection practices.
📞 Call 877-700-5790 now for a free consultation.
🖱️ Visit our contact page to take the first step toward financial relief.
🔹 Stand up for your rights and take control of your financial future!