Credit Card/Consumer Debt
It is astonishing how similar the financial industry treats credit card and foreclosure debt. In both areas, the collection of the money is sold to third party entities, also know as “servicers.” Yes, banks and credit card companies make so much money they actually hire others to collect their money for them… The debt itself is also bought and sold numerous times and is often times “securitized.”
In the rush to make money, shortcuts are taken, documents are “robo-signed” by people who claim to have knowledge of what they are signing but, of the ones we have deposed or seen in trial, rarely ever have a clue! This and numerous other issues can help you defend against creditors. There are also numerous cases in which we can counterattack under the following “consumer protection” statutes:
- Federal Fair Debt Collection Practices Act (FDCPA): This act prevents “abusive” practices by debt collectors and allows consumers to collect actual and statutory damages.
- Fair Credit Reporting Act (FCRA) & Fair and Accurate Credit Transactions Act (FACTA): These laws regulate credit reporting agencies and the companies who report information to them, and they provide debtors with multiple ways to defend themselves in collection actions as well as to protect their identity, privacy, credit score and credit report.
- Florida Consumer Collection Practices Act (FCCPA): This act provides ways for Florida residents to collect actual and statutory damages from unscrupulous actions of anyone trying to collect on a debt.
- Florida Deceptive and Unfair Trade Practices Act (FDUTPA): This law protects you against unfair business practices or competitive methods and gives you a private right to sue anyone who violates the law. In addition to actual damages, you may also be entitled to recover attorney fees and the costs.
Contact Our Florida Debt Defense and Consumer Counterattack Attorneys Today
Our country’s history is filled with examples of people who have struggled financially but then have gone on to become famously wealthy. They all reclaimed their part of the American Dream and we want to help you reclaim yours!
If you want to reclaim your piece of the American Dream or just want help with debt or foreclosure, call us at 855-55-ROSEN or fill out our online form for a FREE CONSULTATION. Let the lawyers and staff of the Law Offices of Evan M. Rosen, serve you!