Spiwak & Iezza, LLP: Understanding Their Debt Collection Practices
If Spiwak & Iezza, LLP has contacted you regarding a debt, it’s important to understand their collection methods and your rights as a consumer. This California-based law firm represents creditors and financial institutions in debt recovery efforts, including litigation. Knowing your legal protections can help you handle their communications effectively.
📍 Contact Information for Spiwak & Iezza, LLP
🏢 Address: 555 Marin St Suite 140, Thousand Oaks, CA 91360
📞 Phone: (805) 498-1212
📠 Fax: (805) 498-9494
🌐 Website
🔎 Yelp Profile
⚖️ How Spiwak & Iezza, LLP Handles Debt Collection
Like many debt collection law firms, Spiwak & Iezza, LLP may use various tactics to collect on outstanding balances:
📩 Initial Contact: Sending letters, emails, or making phone calls to demand payment.
📌 Related Resource: Can a debt collector contact me on social media?
📄 Settlement Offers: Proposing structured payment plans or lump-sum settlements.
📌 Related Resource: How to fight a collection agency
⚖️ Legal Action: Filing lawsuits to obtain judgments, which may result in wage garnishment or bank levies.
📌 Related Resource: Do collection agencies sue and what to do next if I am sued?
Ignoring their communications could lead to legal consequences, so it’s crucial to respond appropriately.
🛡️ Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unethical collection tactics. Key protections include:
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🔇 No Harassment: Debt collectors cannot use threats, obscene language, or excessive calls.
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⏰ Calling Restrictions: They cannot contact you before 8 AM or after 9 PM without consent.
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📄 Debt Verification: You have the right to request proof of the debt within 30 days.
If a debt collector violates these protections, legal action may be an option.
📌 Related Resource: Can a debt collector lie to me?
📝 What to Do If Spiwak & Iezza, LLP Contacts You
- Confirm Their Identity: Note the caller’s name, firm, and contact information.
- Request Written Validation: Do not make payments until you receive confirmation of the debt.
- Check the Statute of Limitations: Some debts are no longer legally enforceable.
- Communicate in Writing: Request all communication via mail to maintain records.
- Seek Legal Advice: If you’re facing a lawsuit or harassment, consult with a consumer rights attorney.
📌 Related Resource: Can a debt collector threaten to serve me with paperwork?
📞 How Consumer Rights Law Firm PLLC Can Help
If you’re dealing with aggressive collection tactics from Spiwak & Iezza, LLP, Consumer Rights Law Firm PLLC can provide legal support, including:
- Stopping harassment by enforcing consumer protection laws.
- Verifying debt validity and disputing incorrect claims.
- Negotiating settlements to reduce the burden of outstanding debt.
- Defending against lawsuits and preventing unfair judgments.
📞 Call (877) 700-5790 today for a free consultation, or visit our website to protect your rights and financial future.
Don’t let debt collectors intimidate you—know your rights and take control!