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Protecting Your Rights Against Abusive Debt Collectors
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FDCPA Attorney in Pennsylvania

Your Rights to Fair Debt Collection Practices

The law says that debt collectors must treat you with truth, fairness, dignity and respect. Any debt collector who doesn't work within these very clear guidelines can be sued in federal court for damages under this law. The FDCPA does not cover the original creditor (for example, the credit card company to whom you owe) but does apply to anyone who regularly collects debts on behalf their clients, including collection agencies, debt buyers who purchased your debt from the original creditor and attorney law firms who regularly collect debts.

For the law to apply, the following elements must be present:

  1. You are a consumer.
  2. The debt is a consumer debt, meaning that it was incurred for personal or household purposes.
  3. The collector is a debt collector. A "debt collector" is a person hired by the original creditor specifically to collect a debt. They can also be debt buyers, which are companies that purchase a debt that has been in default to try and collect it.

There are several important steps you can take to help your case, including saving all phone messages and voice mail, making notes of your conversations with the bill collector and contacting my office to speak with a Philadelphia debt collection defense attorney about your case. My name is Michael Forbes and I am a highly experienced debt collection defense attorney that can provide competent legal advice regarding your case.

FDCPA Lawyer - Committed to Protecting Your Rights

Under the FDCPA, debt collectors are prohibited from engaging in harassing or abusive behavior when collecting a debt, including:

  • Using foul or abusive language
  • Making repeated phone calls
  • Continuing to call after receiving a written notice to stop the calls
  • Calling before 8:00 a.m. or after 9:00 p.m.
  • Contacting someone at their job after being told not to
  • Contacting someone directly that is represented by an attorney

The FDCPA provides an attorney without any cost. If I take your case and successfully litigate, lawyer fees are paid for by the defendant debt collector, including litigation costs and expenses. You can be awarded $1,000.00 for statutory damages if you have no actual damages. When there are actual damages, which means that you have been harmed by the harassing debt collector, you will earn further compensation from the court.

If you have had to endure any abusive collection practices, you may be entitled to compensation. Call me immediately to fight back and turn the tables on these collection bullies. Not only may you be entitled to collect money from the debt collectors, they may also be required to pay for my fees.

I do not charge for a consultation for debt collection abuse and harassment cases. We can strategize and review your options. If we decide that you have a case and wish to pursue it, I will represent you in filing a lawsuit against the abusive debt collector. If we are successful, the abusive debt collector becomes responsible for my fees.

Collection Agencies:

If you are being harassed or abused by a debt collector from one of the following agencies, please call me right away so I can help you stop the abuse once and for all!

A & S Collection Associates Inc
Academy Collection Service Inc
Account Services Collections Inc
Accounts Receivable Management Inc
Accounts Serv Co LTD
Accredited Collectional Aency Inc
Active Credit Svcs
Alexander Wright & Associates Inc
Allen Lewis & Associates Inc
Allen Lewis Ass Inc
Allen, Lewis & Associates
AllianceOne Rec Mgmt
AllianceOne Receivables Management Inc
Allied Interstate Credit Corp
Allied Interstate Inc
Alternative Revenue Systems Inc
American Coradius Inc
American Coradius International LLC
Anderson, Crenshaw & Associates LLC
Apex Financial Management LLC
Arrow Fin Serv LLC
Arrow Financial Services LLC
ARS National Services Inc
ARS Recovery Services LLC
Ascension Services LP
Asset Acceptance LLC
Asset Mgmt Out Rec
Associated Credit Services Inc
Atlantic Credit Fin
Audit Systems Inc
AvanteUSA LTD
Bay Area Credit Service LLC
Bonded Collection Corporation
Bronson & Migliaccio LLP
Burgess
CAC Financial Corp
Capital Management Services Inc
Capital Management Services LP
CBE Group Inc, The
Central Credit Services Inc
Central Portfolio Control Inc
Client Services Inc
Coast Professional Inc
Collectcorp Corporation
Collection Pros Inc
Collection Technology Inc
Collecto Inc
Collectors Training Institute of Illinois Inc
Commercial Rec Syst
Consumer Adjustment Company Inc
Credit Collection
Credit Control LLC
Credit Control Services Inc
Creditors Financial Group LLC
Creditor's Interchange Inc
Creditors Interchange Receivable Management LLC
Daniel Daniel Assoc
Debt Recovery Solutions Inc
Diversified Adjustment Service Incorporated
Diversified Collection Services Inc
Diversified Consultants Inc
Doctors Cred Ser Inc
Encore Receivable Management Inc
Enhanced Recovery Corporation
Enterprise Recovery Sytems Inc
ER Solutions
ER Solutions Inc
Federal Bond and Collection Service Inc
Financial Asset Management Systems Inc
First Fin Asset Mgmt
First Financial Asset Management Inc
First Performance Recovery Corporation
First Revenue Assurance LLC
Firstsource Advantage LLC
FMA Alliance LTD
Focus Receivables
Focus Receivables Management LLC
Frederick J. Hanna & Associates PC
GC Services Limited Partnership
GE Services Limited Partnership
General Revenue Corporation
Gerald E. Moore & Associates, PC, The Law Office of
Gerald E. Moore Asso
Global Payments Chk
I.C. System Inc
IDG Financial Services LLC
Imperial Cred Systems
Innovative Accounts Management Inc
J.C. Christensen & Associates Inc
Johnson & Rountree
Law Office of John P Frye PC
Leading Edge Recovery Solutions LLC
Lenahan
LHR Inc
LTD Financial Services LP
M.R.S. Associates Inc
Mid America Credit Corporation
MRS Associates Inc.
National Action Financial Services Inc
National Check Trust Inc
National Credit Adjusters LLC
National Credit Systems Inc
National Enterprise Systems Inc
National Financial Systems Inc.
National Recovery Incorporated
Nations Recovery Center Inc
Nationwide Credit Inc
Nationwide Recovery Systems LTD
NCA Financial Services Inc
NCB Management Services Inc
NCO Financial Sys
NCO Financial Systems Inc
Nelson Watson & Associates LLC
Nelson, Watson & Associates LLC
Nor-Don Collection Network Inc
Northland Group Inc
Ocwen Loan Servicing LLC
Omnium Worldwide Inc
OSI Collection Services
OSI Collection Services Inc
OSI Collection Svcs
Oxford Collection Agency Inc
Pentagroup Financial LLC
People First Recoveries LLC
Phillips & Burns LLC
Phillips & Cohen Associates LTD
Pinnacle Fin Grp Inc
Pinnacle Financial Group Incorporated
Pioneer Credit Recovery Inc
Portfolio Recovery Associates LLC
Professional Bureau of Collections Inc
Professional Credit
Professional Recovery Services Inc
Professional Recovery Systems LLC
Ray Klein Inc.
Recovery One LLC
Redline Recovery Services LLC
Regional Adjustment Bureau Inc
Richard J. Boudreau & Associates LLC
Sam Street PLLC Law Office
Southwest Credit Systems
Southwest Credit Systems LP
Sunrise Credit Services Inc
Sure Tech Recovery LLC
Tiburon Financial LLC
Transworld Systems Inc
TRS Recovery Services Inc
TSYS Total Debt Management Inc
United Collection Bureau Inc
United Collections Bureau Inc
United Processing Inc et al
Universal Fidelity LP
Valentine & Kebartas Inc
Van Ru Credit Corporation
Ventus Capital Services LP
Viking Collection Service Inc
Vital Recovery Services Inc
Wells Fargo Financial Acceptance Pennsylvania Inc
West Asset Management
West Asset Management Inc
West Peak Financial Inc
Western Control Services
Westmoreland Agency
Windham Professional Inc
Worldzen Collection and Recovery LLC
Zenith Acquisition Corporation
Zwicker & Associates PC

For a longer list of debt collectors, debt collection agencies and law firms who frequently violate FDCPA guidelines, please click here.

Contact Philadelphia FDCPA Lawyer Michael Forbes to find out about your rights regarding debt collection and how to stop collector abuse.

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The Law Office of Michael P. Forbes, PC-
Philadelphia Debt Collection Defense Attorney
Located at 200 Eagle Road, Suite 220, Wayne, PA 19087
Phone: (610) 991-3321 | Local Phone: (610) 293-9399
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