CONSUMER CREDIT AND PROTECTION
CONSUMER CREDIT AND PROTECTION
CONSUMER CREDIT AND PROTECTION
CONSUMER CREDIT AND PROTECTION
SOLUTION DRIVEN
ACT FAST TO PROTECT YOUR RIGHTS
Don't fight the debt collection agencies alone. Call Cary Law Office today.
We have provided frequently asked questions below to address some questions you may have before calling our office. We assure you that we will review your case and work to help you deal with harassing debt collectors.
SOLUTION DRIVEN
We are here to get the best results for you
ACT FAST TO PROTECT YOUR RIGHTS
CONSUMER FINANCE FAQs
We know that making a personal injury claim is a stressful process, but we are here to walk you through it each step of the way. While you may have numerous questions, we will make sure you know exactly what to do.
Debt collectors recover past-due debts owed to creditors. Debt collectors may be the creditor itself or a third-party hired by the creditor to collect a debt on its behalf for a percentage of the recovered amount. However, oftentimes debt collectors purchase delinquent debt from a creditor at a discount and then seek to recover the full amount of the debt on their own. Debt collectors may be highly aggressive to the point of harassing. There are laws in place to protect consumers from such practices.
Consumer credit and protection laws are complex. Knowing all of the myriad rules and regulations is vital to ensuring that your rights are protected. Moreover, litigation may be necessary if a debt collector has violated a provision of the law in trying to collect a debt. Cary Law Office has years of experience. Why not have peace of mind that your case is being handled properly and professionally?
Debt collectors can call you at work. However, once you, a co-worker, or your employer tell a debt collector to stop calling you at work, the debt collector must stop. The collector cannot discuss your debt with any of your co-workers or your employer. If a debt collector reveals your debt to others or continues to call you at work after you have told them to stop they have violated the law and you may be entitled to damages.
It depends. The statute of limitations for debt collections is dependent on several factors such as the type of debt, whether you’ve claimed the debt, when the last payment was made, etc. This is why you need to speak with an experienced attorney who can quickly analyze your case to identify whether the collection of your debt is “time-barred”.
Every case is unique. The Cary Law Office will get to work immediately to evaluate your case and discuss your options based on the individual facts unique to your case.
If your debt has been reported as in “collections,” your credit score may decrease significantly. This, in turn, may make it harder to secure future credit or be the basis of a loan application denial.
CONSUMER FINANCE FAQs
We know that making a personal injury claim is a stressful process, but we are here to walk you through it each step of the way. While you may have numerous questions, we will make sure you know exactly what to do.
Debt collectors recover past-due debts owed to creditors. Debt collectors may be the creditor itself or a third-party hired by the creditor to collect a debt on its behalf for a percentage of the recovered amount. However, oftentimes debt collectors purchase delinquent debt from a creditor at a discount and then seek to recover the full amount of the debt on their own. Debt collectors may be highly aggressive to the point of harassing. There are laws in place to protect consumers from such practices.
WHY SHOULD I HIRE AN ATTORNEY?
Consumer credit and protection laws are complex. Knowing all of the myriad rules and regulations is vital to ensuring that your rights are protected. Moreover, litigation may be necessary if a debt collector has violated a provision of the law in trying to collect a debt. Cary Law Office has years of experience. Why not have peace of mind that your case is being handled properly and professionally?
CAN DEBT COLLECTORS CALL ME AT WORK?
Debt collectors can call you at work. However, once you, a co-worker, or your employer tell a debt collector to stop calling you at work, the debt collector must stop. The collector cannot discuss your debt with any of your co-workers or your employer. If a debt collector reveals your debt to others or continues to call you at work after you have told them to stop they have violated the law and you may be entitled to damages.
WILL MY DEBT EFFECT MY CREDIT SCORE?
If your debt has been reported as in “collections,” your credit score may decrease significantly. This, in turn, may make it harder to secure future credit or be the basis of a loan application denial.
Every case is unique. The Cary Law Office will get to work immediately to evaluate your case and discuss your options based on the individual facts unique to your case.
MY DEBT IS SEVERAL YEARS OLD, CAN DEBT COLLECTORS STILL COLLECT?
It depends. The statute of limitations for debt collections is dependent on several factors such as the type of debt, whether you’ve claimed the debt, when the last payment was made, etc. This is why you need to speak with an experienced attorney who can quickly analyze your case to identify whether the collection of your debt is “time-barred”.