CONSUMER FINANCE LAW

CONSUMER CREDIT AND PROTECTION

 

 
 

Congress and the State of West Virginia have put in place laws that protect consumers from abusive, fraudulent, deceptive, or misleading practices. However, this myriad of laws and regulations can be difficult to navigate.  If you are the victim of harassing debt collection calls, illegal wage garnishment, or an invasion of privacy call Cary Law Office today.
 

CONSUMER CREDIT AND PROTECTION

 

 
 

Congress and the State of West Virginia have put in place laws that protect consumers from abusive, fraudulent, deceptive, or misleading practices. However, this myriad of laws and regulations can be difficult to navigate.  If you are the victim of harassing debt collection calls, illegal wage garnishment, or an invasion of privacy call Cary Law Office today.
 

CONSUMER CREDIT AND PROTECTION

 

 
 

Congress and the State of West Virginia have put in place laws that protect consumers from abusive, fraudulent, deceptive, or misleading practices. However, this myriad of laws and regulations can be difficult to navigate.  If you are the victim of harassing debt collection calls, illegal wage garnishment, or an invasion of privacy call Cary Law Office today.
 

CONSUMER CREDIT AND PROTECTION

 

 
 

Congress and the State of West Virginia have put in place laws that protect consumers from abusive, fraudulent, deceptive, or misleading practices. However, this myriad of laws and regulations can be difficult to navigate.  If you are the victim of harassing debt collection calls, illegal wage garnishment, or an invasion of privacy call Cary Law Office today.
 
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SOLUTION DRIVEN

We are here to get results




Consumer protection is a cornerstone of Cary Law Office. Let us work on your behalf with the credit bureau to correct errors on your credit report; settle your debt for a percentage of the original debt; petition a court to cancel the debt under certain circumstances; or sue for actual or statutory damages if the creditor willfully violated the law.

ACT FAST TO PROTECT YOUR RIGHTS

Don't wait to get help



Don't fight the debt collection agencies alone. Call Cary Law Office today.

We have provided frequently asked questions below to address some questions you may have before calling our office. We assure you that we will review your case and work to help you deal with harassing debt collectors.


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SOLUTION DRIVEN

We are here to get the best results for you


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Consumer protection is a cornerstone of Cary Law Office. Let us work on your behalf with the credit bureau to correct errors on your credit report; settle your debt for a percentage of the original debt; petition a court to cancel the debt under certain circumstances; or sue for actual or statutory damages if the creditor willfully violated the law.

ACT FAST TO PROTECT YOUR RIGHTS

DON'T WAIT TO GET HELP

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Don't fight the debt collection agencies alone. Call Cary Law Office today. We have provided frequently asked questions below to address some questions you may have before calling our office. We assure you that we will review your case and work to help you deal with harassing debt collectors.

CONSUMER FINANCE FAQs

 


 
 

We know that making a personal injury claim is a stressful process, but we are here to walk you through it each step of the way. While you may have numerous questions, we will make sure you know exactly what to do.

 
HOW CAN I GET A DEBT COLLECTOR TO STOP CONTACTING ME?
Request a verification that the debt they are contacting you about is yours. If the collector is unable to verify the debt, they must stop contacting you. Next, request that the collector communicate with you in writing. This documents everything the collector communicates to you about the alleged debt which may be evidence used against the collector if a lawsuit is filed on your behalf against the collector.
WHAT ARE DEBT COLLECTORS?

Debt collectors recover past-due debts owed to creditors. Debt collectors may be the creditor itself or a third-party hired by the creditor to collect a debt on its behalf for a percentage of the recovered amount. However, oftentimes debt collectors purchase delinquent debt from a creditor at a discount and then seek to recover the full amount of the debt on their own. Debt collectors may be highly aggressive to the point of harassing. There are laws in place to protect consumers from such practices.

DEBT COLLECTORS ARE CALLING ME? WHAT CAN I DO?
Debt collectors are required to abide by certain laws. First, collectors cannot call you before 8 a.m. or after 9 p.m. your local time. Repeated calls are prohibited and they must not call you at a time you have previously stated is inconvenient.
WHY SHOULD I HIRE AN ATTORNEY?

Consumer credit and protection laws are complex. Knowing all of the myriad rules and regulations is vital to ensuring that your rights are protected. Moreover, litigation may be necessary if a debt collector has violated a provision of the law in trying to collect a debt. Cary Law Office has years of experience. Why not have peace of mind that your case is being handled properly and professionally?

CAN A DEBT COLLECTOR CALL ME AT WORK?

Debt collectors can call you at work. However, once you, a co-worker, or your employer tell a debt collector to stop calling you at work, the debt collector must stop. The collector cannot discuss your debt with any of your co-workers or your employer. If a debt collector reveals your debt to others or continues to call you at work after you have told them to stop they have violated the law and you may be entitled to damages.

MY DEBT IS SEVERAL YEARS OLD, CAN DEBT COLLECTORS STILL COLLECT?

It depends. The statute of limitations for debt collections is dependent on several factors such as the type of debt, whether you’ve claimed the debt, when the last payment was made, etc. This is why you need to speak with an experienced attorney who can quickly analyze your case to identify whether the collection of your debt is “time-barred”. 

HOW MUCH WILL AN ATTORNEY COST?

Every case is unique. The Cary Law Office will get to work immediately to evaluate your case and discuss your options based on the individual facts unique to your case.

WILL MY DEBT EFFECT MY CREDIT SCORE?

If your debt has been reported as in “collections,” your credit score may decrease significantly. This, in turn, may make it harder to secure future credit or be the basis of a loan application denial.

CONSUMER FINANCE FAQs

 

 

We know that making a personal injury claim is a stressful process, but we are here to walk you through it each step of the way. While you may have numerous questions, we will make sure you know exactly what to do.

WHAT ARE DEBT COLLECTORS?

Debt collectors recover past-due debts owed to creditors. Debt collectors may be the creditor itself or a third-party hired by the creditor to collect a debt on its behalf for a percentage of the recovered amount. However, oftentimes debt collectors purchase delinquent debt from a creditor at a discount and then seek to recover the full amount of the debt on their own. Debt collectors may be highly aggressive to the point of harassing. There are laws in place to protect consumers from such practices.

HOW CAN I GET A DEBT COLLECTOR TO STOP CONTACTING ME
Request a verification that the debt they are contacting you about is yours. If the collector is unable to verify the debt, they must stop contacting you. Next, request that the collector communicate with you in writing. This documents everything the collector communicates to you about the alleged debt which may be evidence used against the collector if a lawsuit is filed on your behalf against the collector.
DEBT COLLECTORS ARE CALLING ME? WHAT CAN I DO?
Debt collectors are required to abide by certain laws. First, collectors cannot call you before 8 a.m. or after 9 p.m. your local time. Repeated calls are prohibited and they must not call you at a time you have previously stated is inconvenient.

WHY SHOULD I HIRE AN ATTORNEY?

Consumer credit and protection laws are complex. Knowing all of the myriad rules and regulations is vital to ensuring that your rights are protected. Moreover, litigation may be necessary if a debt collector has violated a provision of the law in trying to collect a debt. Cary Law Office has years of experience. Why not have peace of mind that your case is being handled properly and professionally?

CAN DEBT COLLECTORS CALL ME AT WORK?

Debt collectors can call you at work. However, once you, a co-worker, or your employer tell a debt collector to stop calling you at work, the debt collector must stop. The collector cannot discuss your debt with any of your co-workers or your employer. If a debt collector reveals your debt to others or continues to call you at work after you have told them to stop they have violated the law and you may be entitled to damages.

WILL MY DEBT EFFECT MY CREDIT SCORE?

If your debt has been reported as in “collections,” your credit score may decrease significantly. This, in turn, may make it harder to secure future credit or be the basis of a loan application denial.

HOW MUCH WILL AN ATTORNEY COST?

Every case is unique. The Cary Law Office will get to work immediately to evaluate your case and discuss your options based on the individual facts unique to your case.

MY DEBT IS SEVERAL YEARS OLD, CAN DEBT COLLECTORS STILL COLLECT?

It depends. The statute of limitations for debt collections is dependent on several factors such as the type of debt, whether you’ve claimed the debt, when the last payment was made, etc. This is why you need to speak with an experienced attorney who can quickly analyze your case to identify whether the collection of your debt is “time-barred”. 

WE ARE HERE TO HELP

Contact us for a free consultation

Do you have a query or problem that you would like to talk about, or are you curious to hear more about how we can help you? Get in touch today! We look forward to hearing from you.


Call Us Today


122 Capitol Street, Suite 200
Charleston, WV, 25301
E-mail: mcary@cary-law.com
Fax: 681-265-3801



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