⚖️ Protecting Your Rights Against Law Offices of Thomas A. Loya
If Law Offices of Thomas A. Loya is attempting to collect a debt from you, it’s essential to understand your legal rights. The Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws shield you from abusive, deceptive, and unfair debt collection tactics. If a collector crosses the line, you may be entitled to compensation.
📍 Contact Information for Law Offices of Thomas A. Loya
📍 Address: 1001 E. Orange Grove Blvd., Pasadena, CA 91104
📞 Phone: (626) 744-1555
🔎 Yelp Profile
🚨 Recognizing Illegal Debt Collection Practices
Debt collectors must follow strict legal guidelines when contacting you. If they violate these rules, you have the right to take legal action.
🔴 Common FDCPA Violations
- Excessive or harassing phone calls – Calling multiple times a day is illegal.
- Calling at odd hours – Collectors cannot contact you before 8 AM or after 9 PM.
- Misrepresenting the debt – They must provide accurate information about your debt.
- Threatening legal action they won’t take – They cannot falsely threaten lawsuits or arrests.
- Contacting your employer or family – Debt collectors cannot discuss your debt with others.
📌 Has a collector crossed the line? Learn how to fight back.
🔍 How to Identify Debt Collection Scams
Not all debt collectors operate legally. Some fraudulent agencies pose as legitimate firms to intimidate you into paying.
⚠️ Red Flags of Debt Collection Scams
- Refusing to provide written validation of the debt – Legitimate collectors must send a written notice within five days.
- Demanding payment through wire transfers or gift cards – No real agency will require payment through untraceable methods.
- Refusing to disclose their company name or address – A legitimate firm must provide this information.
- Threatening immediate legal action – Lawsuits aren’t filed overnight, and genuine collectors follow due process.
💡 Protect yourself: Never pay a debt without verifying its legitimacy. Learn more about your rights.
🛑 Steps to Take if You’re Being Harassed
If the Law Offices of Thomas A. Loya is contacting you about a debt, take these steps:
- Request a validation letter – You have 30 days to dispute the debt.
- Know your state’s statute of limitations – Old debts may be uncollectible in court.
- Communicate in writing – Send a written request to stop phone calls.
- Keep records of all interactions – Document calls, emails, and letters.
📌 Feeling overwhelmed? Here’s how to fight back against unlawful collections.
📞 Get Legal Help Now
If the Law Offices of Thomas A. Loya is harassing you or using deceptive collection tactics, you have rights. Consumer Rights Law Firm PLLC can help you stop illegal collection attempts and seek damages for FDCPA violations.
📞 Call 877-700-5790 today
💻 Get a Free Consultation Now
✅ Don’t let debt collectors bully you—take action today!
Disclaimer: This content is for informational purposes only and does not constitute legal advice.