Spencer T. Malysiak Law Corporation: Understanding Their Debt Collection Practices
If you’ve been contacted by Spencer T. Malysiak Law Corporation, it’s essential to understand how they operate and what your rights are. This law firm represents creditors in debt collection matters and may pursue legal action against consumers with outstanding debts. Knowing your legal protections can help you respond appropriately and avoid unfair collection practices.
📍 Contact Information for Spencer T. Malysiak Law Corporation
🏢 Address: 1180 Iron Point Rd #145B, Folsom, CA 95630
📞 Phone: (916) 985-4400
📠 Fax: (916) 985-4411
🌐 Website
🔎 BBB Profile
⚖️ How Spencer T. Malysiak Law Corporation Handles Debt Collection
Law firms like Spencer T. Malysiak Law Corporation use various methods to recover outstanding debts:
✅ Debt Notices: They may send demand letters or contact you via phone regarding unpaid accounts.
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🔹 Negotiation Attempts: Some cases involve offering settlement options or payment plans.
📌 Related Resource: How to fight a collection agency
⚠️ Legal Action: If negotiations fail, they may file a lawsuit to recover the debt.
📌 Related Resource: Do collection agencies file lawsuits?
Ignoring contact from this firm can lead to a court judgment, so it’s crucial to take action.
🛡️ Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects you from unethical debt collection tactics. Your rights include:
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🛑 Protection from harassment: Debt collectors cannot threaten, use obscene language, or repeatedly call to annoy you.
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⏳ Limited calling hours: They cannot contact you before 8 AM or after 9 PM without permission.
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📜 Debt validation: You have the right to request written proof of the debt within 30 days.
If a debt collector violates these protections, you have legal options.
📌 Related Resource: Can a debt collector lie to me?
📝 Steps to Take If Contacted by Spencer T. Malysiak Law Corporation
- Gather Details: Write down the caller’s name, firm, and contact information.
- Request a Written Notice: Confirm the debt’s legitimacy before making payments.
- Check the Statute of Limitations: Some debts may no longer be legally collectible.
- Communicate in Writing: Send a debt validation request and keep records of all correspondence.
- Seek Legal Help: If you’re unsure how to proceed, consult with a consumer rights attorney.
📌 Related Resource: Can a debt collector pretend to be a lawyer?
📞 How Consumer Rights Law Firm PLLC Can Help
If you’re facing aggressive collection tactics from Spencer T. Malysiak Law Corporation, you don’t have to handle it alone. Consumer Rights Law Firm PLLC can assist with:
- Stopping unlawful harassment and ensuring collectors follow the law.
- Challenging invalid debts and disputing incorrect claims.
- Negotiating settlements to make payments more manageable.
- Providing legal representation to defend against lawsuits and judgments.
📞 Call (877) 700-5790 today for a free consultation, or visit our website to learn more.
Don’t let debt collectors pressure you—know your rights and take control of your financial future!