Debt Collection Attorney in Upper Darby

Collection Harassment? Put More Than 35 Years of Legal Experience to Work.

Repeated calls, deceptive threats, incorrect balances, and inaccurate collection accounts can raise different issues under federal law. At Law Office of Michael P. Forbes, PC, I review select credit card collection cases for Upper Darby consumers facing potentially unlawful collection or reporting practices.

I examine who contacted you, what was said or reported, when each event occurred, and whether the account involves personal or household debt. Collection letters, voicemails, call records, dispute correspondence, and credit reports may help establish whether you have grounds for legal action.

Call (610) 991-3321 to discuss collection harassment or inaccurate credit reporting and request a focused case review.

Different Laws Apply to Collection Conduct & Credit Reporting

The Fair Debt Collection Practices Act restricts abusive, unfair, and deceptive practices by covered debt collectors. The Fair Credit Reporting Act governs the accuracy and handling of information maintained by credit reporting agencies. Depending on the facts, your concern may involve debt collector harassment, credit report errors, or both.

I serve clients in Upper Darby and throughout Southeastern Pennsylvania, combining compassionate counsel with direct legal advocacy for people facing financial hardship and potentially unlawful practices.

Records to Preserve for a Collection or Credit Report Review

Keep original records and avoid deleting communications, even if they seem repetitive. Note dates, times, phone numbers, names, balances discussed, and what each caller or message stated.

Useful documents may include:

• Collection letters and account statements
• Voicemails, call logs, text messages, and emails
• Screenshots of online messages or account information
• Credit reports showing the disputed account
• Disputes sent to credit reporting agencies or information furnishers
• Responses to disputes and related court papers

I use these records to identify the parties involved, which may include a third-party debt collector, creditor, credit reporting agency, or business furnishing account information. Not every negative credit entry or collection attempt violates federal law, so the details and supporting documents matter.