⚖️ Know Your Rights: Dealing with Law Offices of Todd F. Haines
If the Law Offices of Todd F. Haines is pursuing you for a debt, you have legal protections under the Fair Debt Collection Practices Act (FDCPA). This federal law prevents debt collectors from using harassment, deception, or unfair tactics when attempting to collect a debt. Knowing your rights can help you fight back against unfair debt collection practices.
📍 Contact Information for Law Offices of Todd F. Haines
📍 Address: 4045 Bonita Rd Ste 206, Bonita, CA 91902
📞 Phone: (619) 267-7770
🔎 Yelp Profile
🚨 Spotting Debt Collection Violations
Debt collectors must follow strict guidelines when contacting consumers. If they violate the law, you have the right to take legal action.
❌ Common FDCPA Violations to Watch For
- Repeated phone calls at inconvenient hours (before 8 AM or after 9 PM)
- Threats of lawsuits or arrests that they have no intention of following through on
- Failure to validate the debt when you request proof
- Misrepresentation of the amount owed or claiming fees you don’t legally owe
- Speaking to third parties about your debt, such as family members or employers
📌 Think a debt collector is breaking the law? Find out what to do if a collector is threatening you.
📜 How to Respond to a Debt Collector’s First Contact
If the Law Offices of Todd F. Haines has contacted you, do not make any payments or admit to the debt before verifying it.
📝 Steps to Take Immediately
✔ Request a debt validation letter – They must provide proof within five days of first contact.
🔹 Review your credit report – Check for errors or outdated debts that should no longer be pursued.
⚖ Understand your state’s statute of limitations – If the debt is too old, the collector cannot sue you for it.
📨 Send all communication in writing – This protects you if you need to dispute the debt later.
📌 Want to know your rights? Here’s how to fight a collection agency.
⚠️ What to Do If You’re Facing Debt Collection Harassment
If the Law Offices of Todd F. Haines is harassing you, you have the right to stop them.
🔸 Keep records of all communication – Save emails, voicemails, and letters in case you need evidence.
🔹 File complaints with the FTC or state attorney general – Debt collection abuses should be reported.
🛑 Send a cease-and-desist letter – If you want them to stop contacting you, this legally requires them to comply.
⚖ Consult a consumer rights attorney – You may be entitled to compensation for illegal collection tactics.
📌 Debt collectors can’t break the law! Learn how to protect yourself.
📞 Get a Free Consultation Today
If you believe the Law Offices of Todd F. Haines has violated your rights, you don’t have to face them alone. Consumer Rights Law Firm PLLC fights for consumers and helps stop unlawful debt collection tactics.
📞 Call 877-700-5790 now
💻 Schedule a Free Consultation Here
✅ Take action today and fight back against unfair debt collection!