I get a lot of calls from consumers who want to know whether they can sue a debt collector, even if they owe the debt? The Answer is, “Yes.” However, you cannot bring a meritorious claim against a debt collector simply because it is trying to collect a debt. This is why, if you think you are the victim of debt collector abuse, debt collector harassment, or misleading statements from a debt collector, you should call an attorney right away who can assess your potential claims.
At this firm, we sue debt collectors and we look for violations of both state and federal law. It does not matter whether you owe the debt or not. The law protects you from debt collector abuse, debt collector harassment, or misleading statements from a debt collector.
I recommend that you save all of your collection letters in a folder and save any voice messages you receive from debt collectors. A qualified consumer rights lawyer should be able to sit down with you, at no charge, and review your letters and recordings.
Today, I read a collection letter that was misleading which was brought to me by a former client. As soon as I get done writing this, I will begin drafting a lawsuit against the debt collector.
One word of caution: I see a lot of people trying to handle these types of cases without an attorney. Usually, this is in the context of trying to defend a debt collection lawsuit. This method hardly ever works. If you are being sued, you need to get an attorney for that matter. If the lawsuit involves a debt for which you have been the victim of debt collector abuse, debt collector harassment, or misleading statements from a debt collector, these bad acts need to be treated separately from the claims regarding the underlying debt.