Law Offices of Real & Mullahy: Protecting Yourself from Debt Collection Abuse
If the Law Offices of Real & Mullahy are attempting to collect a debt from you, understanding your rights under the Fair Debt Collection Practices Act (FDCPA) is essential. Debt collectors must follow strict rules, and you can take legal action if they violate them.
📜 How Debt Collectors Trick Consumers Into Paying Unverified Debts
🚩 Common Misleading Tactics
- Pretending You Owe More Than You Do – Some debt collectors inflate balances or add illegal fees.
- Using Legal Jargon to Intimidate You – Collectors may imply legal action without actually planning to sue.
- Pressuring You to Pay Immediately – They may claim you must pay now, even when you have a right to verify the debt first.
🛑 How to Fight Back
- Request a Debt Validation Letter – Collectors must provide proof you owe the debt before they can continue pursuing it.
- Keep Records of Communication – Save emails, letters, and voicemails in case you need to dispute their claims.
- Do Not Admit to the Debt – Saying “I owe this” can be used against you, even if the debt is invalid or expired.
🔍 Understanding Statute of Limitations on Debt
⏳ When Can Collectors No Longer Sue?
- Each state has a different time limit for how long a debt can be legally pursued in court.
- Paying or acknowledging an old debt can restart the clock, making it collectible again.
- Some collectors trick consumers into reviving old debts by offering small payment plans.
⚖️ Protecting Yourself From Time-Barred Debt Collection
- Verify the Last Activity Date before making payments.
- Check Your State’s Statute of Limitations to see if the debt is still legally enforceable.
- Send a Cease and Desist Letter if the debt is too old to be sued over.
📍 Contact Information for Law Offices of Real & Mullahy
- Address: 3625 Del Amo Blvd, Suite 340, Torrance, CA 90503
- Phone: (310) 921-3322
If Law Offices of Real & Mullahy are using deceptive tactics or violating your rights, Consumer Rights Law Firm PLLC can help. Call 877-700-5790 or contact us online for a free consultation today.