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.