Dealing with Smith & Associates: What You Need to Know
If you’re facing debt collection issues with Smith & Associates, understanding their role and your rights is crucial. This law firm represents creditors in recovering outstanding debts, which may involve legal proceedings if a resolution isn’t reached.
Knowing how to handle communications with them can help protect you from aggressive tactics and ensure a fair resolution.
Contact Information for Smith & Associates
New York Office
- 📍 Address: 570 Lexington Avenue, 23rd Floor, New York, NY 10022
📞 Phone: (212) 661-7010
✉️ Email: legalassistant@edslaw.net
🌐 Website - 👤 BBB Profile
New Jersey Office
📍 Address: PO Box 5242, Passaic Park, NJ 07055
📞 Phone: (973) 365-2770
Understanding Smith & Associates’ Debt Collection Practices
Law firms like Smith & Associates often act on behalf of creditors to recover unpaid debts. Their approach may include:
- ➡️ Initial Contact: Sending letters or calling debtors regarding unpaid balances.
- ➡️ Negotiation: Offering payment plans or settlements.
- ➡️ Legal Action: Filing lawsuits against debtors who do not respond or refuse to pay.
If you’ve received communication from Smith & Associates, it’s important to confirm the legitimacy of the debt before making any payments.
Know Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair debt collection practices. Under this law:
- ✅ Harassment is prohibited – Debt collectors cannot threaten, harass, or use profane language.
- ✅ Calls must be at reasonable times – No contact before 8 AM or after 9 PM unless you agree.
- ✅ You have the right to dispute the debt – Request verification within 30 days of being contacted.
Violations of the FDCPA can lead to legal action against the debt collector.
What to Do If Smith & Associates Contacts You
- 👉 Stay calm and gather details – Note the name of the caller, the law firm, and the amount they claim you owe.
- 👉 Request written validation – A legitimate debt collector must provide proof of the debt upon request.
- 👉 Check the statute of limitations – Some debts may no longer be legally enforceable.
- 👉 Communicate in writing – Keep records of all correspondence.
- 👉 Seek legal advice – If you’re unsure of your rights, consult with an attorney.
Consumer Rights Law Firm PLLC Can Help
If Smith & Associates is contacting you regarding a debt, Consumer Rights Law Firm PLLC can help you fight back against unfair practices. We specialize in:
- ➤ Stopping Harassment: Ensuring debt collectors follow the law.
- ➤ Debt Settlement: Helping you negotiate fair payment terms.
- ➤ Legal Defense: Protecting you from lawsuits and unfair judgments.
📞 Call us now at (877) 700-5790 for a free consultation, or visit our website: Consumer Rights Law Firm PLLC.
Don’t let aggressive debt collectors intimidate you—take control of your financial future today!