Debt Collection Harassment Attorney in Bryn Mawr, PA

Over 25 Years Fighting for Main Line Consumers

If a debt collector is calling relentlessly or a credit reporting error is dragging down your score, you don’t need two different lawyers. I’ve spent over 25 years defending individuals in the Philadelphia area against both sides of this problem: the harassment and the credit-report damage that so often follows it. At Law Office of Michael P. Forbes, PC, I represent Bryn Mawr and Main Line Pennsylvania residents under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, holding collectors and credit bureaus accountable when they break the law.

These cases are about restoring your financial peace of mind. My job is to address the harassment, correct the record, and pursue every remedy the law makes available to you.

Ready to talk through what’s happening? I offer free consultations on debt collection abuse and harassment matters, and there’s no fee unless your case succeeds. Call (610) 991-3321 to get started.

No Upfront Cost to Sue an Abusive Debt Collector

The legal framework protecting consumers is built around fee-shifting. When a debt collector violates the law and I prevail in your case, the collector may be required to pay my legal fees and litigation costs, not you. You pay nothing to file suit, and you owe nothing if the case doesn’t succeed. That structure means you can pursue your rights without upfront legal fees.

I take a personalized approach to every matter. Before recommending that you file suit, I review your situation and walk you through your options. Preserving your dignity throughout that process matters as much as the legal outcome.

How I Help Bryn Mawr-Area Clients

My practice covers two distinct but connected areas of consumer protection law.

Stopping Debt Collector Harassment

The Fair Debt Collection Practices Act prohibits a wide range of collection conduct: calls before 8:00 a.m. or after 9:00 p.m., repeated calls designed to annoy, obscene or abusive language, and contact after you’ve sent a written stop request. If a collector keeps calling your workplace after you’ve told them not to, or reaches out directly when they know you’re represented by an attorney, those may be violations. I represent clients in filing FDCPA lawsuits against debt collectors, collection agencies, debt buyers, and law firms that collect debts when their conduct crosses the legal line.

Disputing & Correcting Credit Report Errors

Errors on a credit report can follow you for years. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate information by notifying the credit reporting agency in writing. I can prepare that dispute on your behalf. If the bureau investigates and still fails to correct a verified error, the FCRA gives you the right to sue. I represent clients in those suits, pursuing all available remedies, including potential statutory damages and attorney’s fees the law allows.

Serving Bryn Mawr & Delaware County

Bryn Mawr’s core sits in Lower Merion Township, Montgomery County, but areas sharing its ZIP code extend into Haverford Township and Radnor Township in Delaware County. FDCPA and FCRA lawsuits arising from this area are typically filed in the U.S. District Court for the Eastern District of Pennsylvania, which covers both counties. I’m familiar with this court and with the legal landscape facing Main Line consumers dealing with debt collection and credit reporting problems.

Talk to Me Before You Decide What to Do

You don’t need to figure this out alone. A free consultation gives you a clear picture of whether you may have a claim, what it may be worth, and how the process works. If I take your case, you won’t pay me unless we win.

Call (610) 991-3321 to speak with Law Office of Michael P. Forbes, PC about what’s happening with your debt collector or credit report. The consultation is free and there’s no obligation.