Law Offices of Robert A. Hessling: Understanding Your Debt Collection Rights
If you’re facing debt collection efforts from the Law Offices of Robert A. Hessling, knowing your rights and available legal options can help you make informed decisions. Below are two crucial areas to consider:
🔍 Identifying Unlawful Collection Practices
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA), which protects consumers from harassment and unfair treatment.
✅ Recognize Harassment – If a collector uses threats, excessive calls, or abusive language, they may be violating federal law.
📞 Unlawful Communication – Debt collectors cannot call at odd hours, contact your employer without permission, or discuss your debt with third parties. Learn more about how to handle aggressive debt collectors.
📑 Demand Written Validation – Always request a debt validation letter to confirm the amount owed and the legitimacy of the claim. Check out how to fight a collection agency.
⚖️ Responding to a Debt Collection Lawsuit
Being sued over a debt can be overwhelming, but taking action promptly can prevent serious financial consequences.
🕵️ Check the Statute of Limitations – If the debt is too old, the collector may not have the legal right to sue you. Learn more about how long collectors can pursue a debt.
✍️ File a Response Immediately – Ignoring a lawsuit can lead to a default judgment, which may result in wage garnishment or bank levies. Find out what happens if you’re sued.
💰 Consider Settlement Negotiations – Even if you owe the debt, you can negotiate a settlement to reduce the total amount or arrange a manageable payment plan.
📍 Contact Information for Law Offices of Robert A. Hessling
📍 Address: 1300 Clay St., Suite 600, Oakland, CA 94612
📞 Phone: (510) 836-7900
🔎 FindLaw Profile
If the Law Offices of Robert A. Hessling are pursuing you for a debt, Consumer Rights Law Firm PLLC can help. Call 877-700-5790 or visit our contact page for a free consultation today.