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Are you being harassed by a Debt Collector or are you the victim of Incorrect Information on Your Credit Report?

Creditor harassment and abuse is something that you can obtain monetary damages for. Most people, however, do not realize that a claim can be pursued and that there are remedies available in which the attorney is paid only if you recover. There are four major areas in which you may be able to recover damages is you are the victim of this type of conduct:

  • Collection Abuses from Debt Collectors
  • RoboDialing Schemes
  • Credit Reporting Errors
  • Improper use of Background Checks

There are laws and remedies available under the Fair Debt Collection Practices Act and the Michigan Collection Practices Act which covers the debt collection process. Improper calling is also sometimes actionable under the Telephone Consumers Protection Act.

The Fair Credit Reporting Act governs the credit reporting industry – as well as background checks for employment. This law governs the conduct of Experian, Equifax and Transunion. Claims can be asserted when it’s established that incorrect information is contained in your credit report due to mixed credit files or negative information remains after properly notifying the agencies of a properly documented identity theft. Additionally, claims can be made if the credit agencies wrongfully refuse to remove debts that have been paid or discharged or they improperly report a short sale as a foreclosure.


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