If you’re dealing with Shea & McIntyre, APC regarding debt-related matters, it’s essential to understand their services and your rights as a consumer. This San Jose-based law firm specializes in civil law areas, including business disputes, real estate issues, employment law, and notably, enforcement of judgments and debt collection.
📍 Contact Information for Shea & McIntyre, APC
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📍 Address: 2166 The Alameda, San Jose, CA 95126
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📞 Phone: (408) 298-6611
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📠 Fax: (408) 275-0814
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🌐 Website
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⚖️ Understanding Debt Collection and Judgment Enforcement
Shea & McIntyre, APC assists clients in collecting amounts due and enforcing judgments. Enforcing a judgment involves legal procedures to compel payment from a debtor, which may include wage garnishments, bank levies, or property liens. The process can be complex and requires adherence to specific legal protocols to ensure compliance with state and federal laws.
🛡️ Your Rights Under the Rosenthal Fair Debt Collection Practices Act
In California, the Rosenthal Fair Debt Collection Practices Act (RFDCPA) provides protections to consumers against unfair debt collection practices. Key provisions include:
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Prohibition of Harassment: Debt collectors cannot engage in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt.
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False or Misleading Representations: Collectors are forbidden from using deceptive means to collect a debt or obtain information about a consumer.
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Validation of Debts: Consumers have the right to request validation of the debt to ensure its accuracy and legitimacy.
Understanding these rights can empower you to identify and respond to inappropriate collection tactics effectively.
📝 Steps to Take When Contacted by Shea & McIntyre, APC
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Request Debt Validation:
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Within 30 days of initial contact, request written verification of the debt, including details about the original creditor and the amount owed.
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Review Your Financial Records:
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Compare the information provided with your records to confirm the debt’s validity.
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Understand the Statute of Limitations:
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Determine if the debt is within the statute of limitations for collection in California, as expired debts may be unenforceable.
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Consult a Consumer Rights Attorney:
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Seek legal advice to understand your options and rights, especially if you believe the debt is invalid or if collection practices seem unlawful.
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Maintain Detailed Records:
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Keep copies of all communications, agreements, and payments related to the debt collection process.
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📞 How Consumer Rights Law Firm PLLC Can Assist
If you’re facing debt collection efforts from Shea & McIntyre, APC, Consumer Rights Law Firm PLLC is here to help. Our experienced attorneys specialize in protecting consumers from unfair debt collection practices. We offer:
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Legal Representation: Defending against debt collection lawsuits and negotiating favorable settlements.
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Debt Validation Services: Assisting in verifying the legitimacy of the debt and ensuring compliance with collection laws.
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Protection Against Harassment: Taking action against collectors who violate your rights under the RFDCPA.
Contact us today for a free consultation:
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📞 Phone: (877) 700-5790
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🌐 Website: consumerlawfirmcenter.com/contact-us/
Our team is dedicated to advocating for your rights and providing the support you need to navigate debt collection challenges effectively.
Understanding your rights and the practices of debt collection firms like Shea & McIntyre, APC is crucial. Taking proactive steps and seeking professional legal assistance can help you manage debt-related issues and protect your financial well-being.