Protecting Your Rights: Dealing with Nivinskus Law Group
Nivinskus Law Group is a boutique litigation firm based in Fullerton, California, specializing in representing major insurance companies in plaintiff-side subrogation actions.
If you’ve been contacted by this firm regarding a debt, it’s essential to understand your rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from potential unfair practices.
📍 Contact Information for Nivinskus Law Group
- Address: 134 West Wilshire Ave., Fullerton, CA 92832
- Phone: (714) 533-8110
- Fax: (714) 533-8828
- Email: nlg@califsubro.com
- Website
🚨 Understanding Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive debt collection practices. Key protections include:
- Prohibited Practices: Debt collectors cannot engage in harassment, make false statements, or use unfair methods.
- Communication Restrictions: They cannot contact you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., without your consent.
- Validation of Debt: You have the right to request verification of the debt within 30 days of the initial contact.
For a comprehensive overview, visit the Federal Trade Commission’s FDCPA resource.
🔍 Steps to Take If Contacted by Nivinskus Law Group
If you are approached by Nivinskus Law Group regarding a debt, consider the following actions:
- Request Debt Validation: Within 30 days of the initial contact, ask for written verification of the debt.
- Keep Records: Document all communications, including dates, times, and the nature of each contact.
- Know Your Rights: Familiarize yourself with the protections offered by the FDCPA.
- Consult an Attorney: If you believe your rights have been violated, seek legal counsel to explore your options.
⚠️ Recognizing Unlawful Debt Collection Practices
Be vigilant for the following illegal behaviors by debt collectors:
- Harassment: Repeated calls intended to annoy or abuse.
- False Representations: Misleading statements about the amount owed or the collector’s identity.
- Unfair Practices: Attempting to collect unauthorized fees or interest.
For more details, refer to the ’s guide on debt collection practices.
📞 Seek Legal Assistance & Stop Harassment
If you believe your rights under the FDCPA have been violated, it’s crucial to take action. Consumer Rights Law Firm PLLC specializes in defending consumers against unfair debt collection practices.
- Call: 877-700-5790
- Website: Consumer Rights Law Firm PLLC
Take control of your financial well-being today!