The two primary areas of the firm's services are described here. Do not mistake the general guidelines discussed on this page as legal advice. A thorough evaluation of the all the facts surrounding your situation is necessary before any lawyer can provide you with a competent opinion.

Claims under the Fair Debt Collection Practices Act

Federal law regulates a standard of conduct for debt collectors. One of the law's purposes is to "level the playing field" so that an ethical debt collector is not unfairly disadvantaged by those whose unsavory tactics nevertheless yields greater returns.

Congress chose to encourage victimized consumers to bring claims.

• First, Congress allows consumers to recovery up to $1,000 over and above any actual losses or when the consumer suffers no losses.
• Second, Congress allowed consumers to have their attorney's fees paid by the violating debt collector. As private attorneys general, consumers' attorneys enforce the debt collectors' standard of conduct.

The Fair Debt Collection Practices Act also authorizes class action suits. The individuals who successfully bring the suit recover as if they brought an individual claim but the class recovers up to 1% of the debt collector's net worth.

Our firm has experience with both individual claims and class actions which we commenced in many federal courts throughout the country.

If you think you may have a claim, it is very important that you save all documents and letters, as well as all recorded telephone answering machine or voicemail messages.