Offices in Surprise and Glendale, Arizona Serving Your Consumer Law Needs
Aggressively Protecting Consumers from Debt Collection and Credit Reporting Abuses
When you are struggling to pay your obligations and face regular calls from collection agencies or creditors, you still have rights. There are federal laws in place that govern the activities of debt collectors, as well as the credit reporting requirements related to delinquent payments or accounts. If you have been subjected to abusive conduct involving debt collection or credit reporting, you want an aggressive attorney to help protect your rights.
At the Dodds Law Firm, PLC, I fight for the rights of people who have been victims of debt collection or credit reporting abuse. I firmly believe that all individuals are entitled to the protections provided by state and federal laws, as well as the U.S. Constitution. As a former educator, including 14 years as a district superintendent, I know how to listen carefully and how to help you understand your rights and options, so that you can make informed decisions.
I provide a free 30-minute consultation to all new clients. For an appointment, contact my office online or call me at 623-208-6098 (toll-free at 877-827-9906).
Helping You Fight Wrongful Conduct by Debt Collectors
I aggressively protect the rights of men and women who have been unfairly or illegally treated by debt collectors or creditors. Specifically, I handle claims under:
- The Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law requiring 3rd party debt collectors to use fair and honest tactics to attempt to collect debts. Under the FDCPA, collectors cannot engage in certain activities, such as making threats, pretending to be attorneys, calling at unreasonable hours or calling in a way that constitutes harassment. There are also restrictions on the content and language of mailings.
If a debt collector has violated the FDCPA, you can file a lawsuit seeking damages. The amount of damages is limited under the statute, but the prevailing party is also entitled to attorney fees.
- The Fair Credit Reporting Act (FCRA). The FRCA addresses issues of abuse in credit reporting, prohibiting the use of derogatory, untrue or factually incorrect transfers of information to credit reporting agencies. This can include false reports of default, late payments or other financial information. Often, a debt collector will improperly report you to a credit reporting agency in an effort to get you to cooperate.
Contact the Dodds Law Firm, PLC
For a free 30-minute consultation, contact me online or call me at 623-208-6098 (toll-free at 877-827-9906) for an appointment. Meetings can be scheduled Monday through Friday, from 9 am until 5 pm. Evenings and weekend appointments are available by request.