Decatur Law | Decatur Abusive Debt Collections | GA | Clements Law Group |

THE CLEMENTS LAW GROUP, LLC

"We Fight For You Like You Are Family"

Phone:  (404) 212-1928
Abusive Debt Collections
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 WE SUE DEBT COLLECTORS
Federal law allows you to collect money damages, attorney's fees and costs from abusive debt collectors.  Collection agencies, law firms, and any other third party that regularly collects debt is subject to this law.
If you have been contacted about a past due or defaulted debt, you may have a claim if you can answer "YES" to the following.
Was it a consumer debt?  The debt was for personal, family, or household purposes.
Are you a consumer?  To have a claim, you must be an individual and not a business.
Was it a "debt collector"?  This is a collection agency or law firm and NOT the original collector.
Did they violate the act?  This is usually something that is abusive, unfair, unethical, or untrue.  
Look to the right for some claims →     
          CLICK HERE TO SEE MORE VIOLATIONS

 WE SUE DEBT COLLECTORS

Federal law allows you to collect money damages, attorney's fees and costs from abusive debt collectors. Collection agencies, law firms, and any other third party that regularly collects debt is subject to this law.

If you have been contacted about a past due or defaulted debt, you may have a claim if you can answer "YES" to the following.

1. Was it a consumer debt?  The debt was for personal, family, or household purposes.

2. Are you a consumer?  To have a claim, you must be an individual and not a business.

3. Was it a "debt collector"?  This is a collection agency or law firm and NOT the original collector.

4. Did they violate the act?  This is usually something that is abusive, unfair, unethical, or untrue.  

5. Look to the right for some claims → → →  → → → →    

          CLICK HERE TO SEE MORE VIOLATIONS

 

WHAT IS YOUR CASE WORTH

Collection agencies that violate the law can be ordered to pay


Statutory damages can yield up to $1,000.00.  

Actual damages have no cap.  You can recover damages for mental pain and suffering, invasion of privacy, and other things.  Your case could be worth thousands!

Even if you owe the money, you can still collect damages!


PRESERVE EVIDENCE TO WIN YOUR CASE

 

  • Keep every letter the collection agency sends you, even the envelope
  • Use the call log to document your case.
  • Make notes of your conversations with the collection agency.
  • Save all messages the collection agency leaves.  

 

ATTORNEY'S FEES

We do not charge you any attorney fees.  

We collect our money from the debt collectors or on a contingency basis, just like the law allows.  Clients are responsible for costs of litigation.

 

Common FDCPA violations:

 

  • Threats of arrest if you dont pay your debt.
  • Threats to file or actually filing suit on time-barred debt. (4 or 6 years in Georgia)
  • Failing to validate a debt before collecting.
  • Contacting you at work after being told not to call at work or if they know that you cannot receive calls.
  • Trying to collect on a debt discharged in Bankruptcy.
  • Contacting a third party and telling them about your debt or repeatedly contacting the same third party.
  • Collecting debts against the wrong person.
  • Filing suit against you in the wrong venue.(You can be sued where contract signed or where you live) 
  • Making false or misleading representations.
  • Using vile or profane language.
  • Demanding more money than allowed by law. (Adding on collection fees or demanding the wrong amount)
  • Depositing a post dated check before the date agreed.
 
 
Decatur Law is a certified Law specializing in Abusive Debt Collections, school, state, attorney and much more in Decatur, GA. We also do White Collar Crimes, Criminal Defense, Whistleblower Protection, DUI/DWI, DUI , Repossessions/credit cards, Criminal Defense, Civil Settlements and all work related in the 30034 area and surrounding areas in Decatur