Richardson Fair & Cohen: What You Need to Know About Debt Collection

Richardson Fair & Cohen is a law firm that handles debt collection and creditor rights cases. If you’ve received a notice or call from them, it’s important to understand your legal options and how to protect yourself from unfair collection tactics.

Contact Information for Richardson Fair & Cohen

Los Angeles Office:

  • 📌 Address: 2601 South Figueroa Street, Los Angeles, CA 90007
  • ☎️ Phone: (213) 741-3312
  • 🖨️ Fax: (213) 741-4190

Riverside Office:

  • 📌 Address: 3700 Central Avenue, Floor 3, Riverside, CA 92506
  • ☎️ Phone: (951) 369-4571
  • 🖨️ Fax: (951) 787-0738
  • 👤 BBB Profile​

Understanding How Debt Collection Law Firms Operate

What Does a Debt Collection Law Firm Do?

  • ➡️ Represents creditors in lawsuits against consumers.
  • ➡️ Sends demand letters requesting payment on overdue accounts.
  • ➡️ Pursues wage garnishments and bank levies after obtaining judgments.

Common Debt Collection Tactics Used

Calling multiple times a day to pressure payment.

  • ✅ Sending letters that look like legal documents to intimidate consumers.
  • ✅ Threatening lawsuits or legal action if payment isn’t made.

Your Rights Under the FDCPA

  • 👉 Collectors cannot harass or threaten you.
  • 👉 They must provide accurate information about your debt.
  • 👉 You have the right to dispute the debt before making any payments.

How to Respond to a Debt Collection Lawsuit

  • ➤ Verify the Debt – Request written proof of the amount owed and the creditor’s identity.
  • ➤ Check for Expired Statute of Limitations – Some debts are too old to be collected legally.
  • ➤ Respond to Court Summons – Ignoring a lawsuit can result in a default judgment.

Steps to Protect Yourself If You’re Sued

  • ➡️ File a response within the court’s deadline.
  • ➡️ Negotiate a settlement or payment plan if necessary.
  • ➡️ Hire a consumer rights attorney to fight unfair claims.

The Risks of Ignoring Debt Collection Notices

  • Consequences of Ignoring a Debt Collector
  • ✅ You may face a lawsuit and potential wage garnishment.
  • ✅ Your bank accounts could be frozen if a judgment is issued.
  • ✅ The debt may increase with added fees and interest.

Can a Debt Collector Take Your Property?

  • ➤ If a court rules against you, they may place a lien on your home.
  • ➤ Some assets, like Social Security and disability benefits, are protected from garnishment.
  • ➤ Consulting a lawyer can help you safeguard your property.

Consumer Rights Law Firm PLLC: Protect Yourself from Unfair Debt Collection

  • 👉  Did Richardson Fair & Cohen or another debt collection law firm contact you? Consumer Rights Law Firm PLLC helps consumers fight back against unfair collection practices and legal threats.
  • 👉 Debt collectors don’t always play fair. Know your rights, fight back, and take control of your financial future. Contact us today.