FDCPA & FCRA Claims

Have You Been Harassed by an Unscrupulous Debt Collector?

The Law Office of David I. Pankin helps protect consumers from abusive and illegal debt collection practices. Both Federal and New York State law protects you against unfair, deceptive, and abusive debt collection practices. One of the most powerful federal laws that protects consumers is the Fair Debt Collections Practices Act (or FDCPA for short) which makes it illegal for debt collectors to harass, abuse, or deceive consumers.

• If you have received persistent phone calls from debt collectors,
• If you have received phone calls from at inappropriate times (between 9PM at night and 8AM in the morning),
• If you have received phone calls in which a debt collector used obscene or profane language,
• If you have received phone calls in which a debt collector refuses to identify themselves,
• If you have received phone calls in which a debt collector threatened you with arrest or lawsuits, falsely implying that you have committed a crime,
• If a debt collector has falsely implied that they are attorneys or government representatives,
• If you have received a postcard from a debt collector,
• If a debt collector has contacted your friends, neighbors, family or co-workers and mentioned your debt,
• If a debt collector contacts you even though they know you are represented by an attorney,
• If a debt collector has used of threats of violence or harm against your person, property, or reputation, or
• If you have suffered any other type of debt collection harassment;

You may have the right to make the debt collection agency pay for their violations of the law. Furthermore, the FDCPA allows you to have the abusive debt collector pay your fees. To consult with an experienced FDCPA attorney, please contact our office by phone at 888-LAW-9600 to arrange for a free, initial consultation.

Have Errors on Your Credit Report Caused You Economic Harm?

Have you suffered financial damage resulting from errors on your credit report? Are creditors and/or credit reporting agencies giving you the runaround and refusing to correct those errors? We can help you obtain compensation for the damages you have suffered as a result of errors on your credit report. Once the offending parties are sued under the federal Fair Credit Reporting Act (or FCRA), the errors on your credit report.

The big three credit reporting agencies, Experian, Equifax and TransUnion are responsible for providing accurate information about your credit history to prospective lenders, employers as well as other authorized users. Many credit reports contain errors such as:

• Inaccurate delinquencies: debts that are up to date on, or paid off are listed as delinquent.
• Multiple listings: the same debt is listed more than once, making it look like you owe more than you really do.
• Unauthorized access: when someone pulled your credit report without authorization, it can make it look like you have applied for credit more often that you actually have.
• Social Security number mistakes: Someone else’s credit information is on your credit report. Often called a “mismerged” report, this is caused by two individuals having very similar Social Security numbers.

All of these things can hurt your credit score, making it more difficult for you to get a loan or mortgage and potentially increasing your interest rates on new debt. These errors can also adversely affect your ability to obtain employment, or even cause you to be fired. We may be able to help you if you have suffered any of these consequences..

For additional information on how the FCRA can help you fix your credit, please contact our office by phone at 888-529-9600 to arrange for a free, initial consultation.

Se Habla Español