⚖️ Protecting Yourself from Law Offices of Ted A. Galfin
If Law Offices of Ted A. Galfin is contacting you about a debt, know your consumer rights. Many debt collectors use intimidation, misinformation, or aggressive tactics to pressure payments. The Fair Debt Collection Practices Act (FDCPA) and other laws protect you from harassment, false threats, and unfair collection methods.
📍 Contact Information for Law Offices of Ted A. Galfin
📍 Address: 401 B Street, Suite 2209, San Diego, CA 92101
📞 Phone: (619) 544-9211
🔎 BBB Profile
🔍 Are You a Victim of Debt Collection Harassment?
Debt collectors must follow strict guidelines when communicating with you. If they violate your rights, you may be entitled to compensation.
🚫 Common Debt Collection Harassment Tactics
- Repeated calls throughout the day – Harassing phone calls are illegal under the FDCPA.
- Threatening violence or legal action – Collectors cannot threaten you with arrest or lawsuits they don’t intend to file.
- Using abusive or profane language – Debt collectors must remain professional and cannot insult or intimidate you.
📌 Being harassed? Document every violation and report it. Know how to fight back against harassment.
⚠️ Beware of Re-Aged Debt & Zombie Debt Collection
Some debt collectors illegally “re-age” debts or try to collect on expired debt that is no longer legally enforceable.
🕵️ Signs of Unlawful Debt Re-Aging
- Debt appears as new on your credit report, even though it’s old.
- A collector pressures you to make a small payment to restart the statute of limitations.
- They refuse to provide written validation of the debt.
💡 Protect yourself: Never acknowledge or pay a debt without verifying its legitimacy. Learn more about time-barred debt.
🛑 How to Respond to Debt Collection Attempts
- Request written proof of the debt – Collectors must provide a debt validation letter.
- Know your state’s statute of limitations – If a debt is too old, you may not have to pay.
- Keep all communication in writing – Protect yourself from verbal misrepresentations.
- Dispute inaccurate debts immediately – Send a dispute letter within 30 days if needed.
📞 Stop Unlawful Debt Collection Now
If Law Offices of Ted A. Galfin is using illegal or aggressive collection tactics, take action. Consumer Rights Law Firm PLLC can help you fight back and potentially recover damages.
📞 Call 877-700-5790 today
💻 Get a Free Consultation Now
Don’t let debt collectors intimidate you—stand up for your rights today!
Disclaimer: This content is for informational purposes only and does not constitute legal advice.