Lawyer Jeffrey Lapin Tells How to Stop Bad Debt Collectors
Attorney Jeffrey Lapin of Lincoln, Nebraska, is the operator of the StopBadCollectors.com website. In this PersonalInjury.com interview, Jeffrey exposes abusive debt collection tactics and explains the rights consumers have.
There are a number of creditors that are selling debt to junk debt buyers. The debt may be legitimate debt, but ten years may have passed and the statute of limitation has expired, making the debt uncollectible in court. The junk debt collectors have been harassing, abusing and taking illegal measures against consumers, according to Lapin.
He advises consumers to ask for validation of the debt in writing, including proof of underlying debt, which will prevent the collector from contacting the consumer during the next 30 days.
Watch out for scams
Lapin warned about debt collection scams – even he has been getting calls on his own cell phones to collect phony debts. The calls come from all over the country. When they call, sometimes they have a bit of information about Lapin and will say they are inquiring about his VISA credit card. Lapin warns that these are complete scams, saying, “They are trying to sell you a product or saying you owe a debt that you don’t owe.”
If a collector is calling about a legitimate debt, a lawyer will look to see:
- Does the consumer actually owes the debt?
- Is the collector is trying to collect the right amount?
- Were there violations of the Fair Debt Collection Practices Act (FDCPA)?
Under the FDCPA a consumer is entitled to up to $1,000 or more in damages for a debt collector’s wrongful acts or statements. For example, so collectors will illegally call the consumer at work. An attorney can file a letter of representation, see if there is a defense to the collection effort and file a counterclaim for a FDCPA violation.
For more information, visit http://StopBadCollectors.com and http://lapinlawoffices.com. You can follow Jeffrey on Facebook at https://www.facebook.com/Lapinlawoffices, on LinkedIn at https://www.linkedin.com/in/jeffreylapin and on Twitter, @jeffreylapin.
To find out more, read Consumer Fraud.