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Credit harassment can occur through many abusive and predatory tactics used by debt collectors against the public. Fortunately, both Oregon state and the federal government have established consumer protection laws designed to safeguard individuals from these tactics.
These laws may be enforced by some government agencies but you may also have the right to fight back against offenders of these laws through civil lawsuits filed against them seeking damages. At Oakes Law Office, PC we have been representing clients in consumer protection cases for decades.
Our Medford creditor harassment attorney has recovered approximately $100,000 in damages for consumers we have represented throughout those years. If you have been the target of abusive and/or deceptive behavior by unscrupulous debt collectors, we recommend that you consult with our attorney about your case and what can be done to protect your rights and redress the wrongs you have suffered.
Creditor harassment and abusive behavior, deceptive sales practices, as well as credit reporting inaccuracies fall under the following laws:
This is a federal law and program that outlines what a debt collector can and cannot do when attempting to collect payment.
It describes the types of actions that are considered:
It also outlines penalties that may be collected from offenders of this law.
This is another law created by Congress that allows consumers to fight back against inaccuracies and disputes related to your credit report.
This law is similar to the FDCPA in that it controls the actions of debt collectors when attempting to make collections from consumers in our state.
The UTPA allows consumers to recover damages from businesses that engage in deceptive practices when selling real estate, goods, or services.
Examples of creditor harassment under the FDCPA include but are not limited to:
In any type of creditor harassment violations, you may be able to file a lawsuit against the offender for statutory damages of $1,000 along with a recovery of legal fees and court costs as well as other actual damages such as for lost wages through wage garnishment and/or emotional distress.
Violations of the Fair Credit Reporting Act (FCRA) include:
Many other types of violations can occur under this law as well
Regardless of the type of state or federal violations of the above laws you believe you have been subject to, we recommend that you learn more about your individual case by discussing the details with our Medford creditor harassment attorney. Our firm can evaluate your situation to determine your legal options.
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