Thank you for visiting Lapin Law Offices
Does this sound familiar? You start falling behind on your bills. First, you miss a mortgage payment. Then a second. Soon, you cannot even make the minimum payment on your credit cards. Then, the calls start. Your bank calls inquiring about your mortgage. The credit card company calls about your “missed payment.” Then the collection company writes you a letter saying your account has been turned over to it for collection. Then the collection companies start calling. Soon, these calls become harassing, embarrassing and demeaning. You ask yourself, “Is there any way to make the collection calls stop?” If this sounds familiar, there is help.
There are a number of federal and state laws that regulate debt collection. Despite these laws, collection agencies violate them hoping that most people are not aware of their rights. Collection companies believe if that they badger you enough, you will somehow find the money to pay, even on debts they cannot legally collect.
Under the Fair Debt Collection Practices Act (FDCPA) you are entitled to up to $1,000.00 for a debt collector’s wrongful acts or statements. Even better, the FDCPA requires debt collectors to pay your attorney fees. While the debt does not go away, the harassment stops. Furthermore, you are entitled to “actual damages” that may include medical bills, any lost income as well as for personal humiliation, embarrassment, mental anguish, and emotional distress.
After a debt collector faces a number of claims brought by people whose rights they have violated, their insurance rates increase while their collection rates decrease. They may also face governmental regulatory action. Very soon they start following the law and treat people fairly.
At Lapin Law Offices we represent clients with caring, passion and dedication. We even the playing field for you. We know that if you were able to pay your debt, you would. Having debt does not make you less of a person and you should not have to endure abuse or harassment from a debt collector. Lapin Law Offices will sue any debt collector that violates your rights.
We also represent clients whose rights have been violated under the Telephone Consumer Protection Act (TCPA) or the Fair Credit Reporting Act (FCRA).
Lapin Law Offices does not offer the following services regarding debt: financial planning; money management; debt consolidation; credit counseling; or bankruptcy representation.
Call us at (402) 421-8033 (Lincoln) or (888) 525-8819 (Toll Free) twenty four hours a day seven days a week (24/7) for a free initial consultation. You can also electronically submit your case by completing the Contact Us form. We will reply, either by email or telephone, as soon as we can.
Lapin Law Offices represents persons against debt collectors for violations of federal and state law, including the Fair Debt Collection Practices Act (FDCPA), as well as against those who violate the Telephone Consumer Protection Act (TCPA) and Fair Credit Reporting Act (FCRA), throughout Nebraska including such cities as Lincoln, Omaha, Beatrice, Grand Island, Hastings, Kearney, Columbus, Nebraska City, Aurora, North Platte, York, Norfolk, Seward, Fairbury, and counties such as Lancaster, Seward, Douglas, Sarpy, Gage, Otoe, Saunders, York, Hall, Buffalo, Lincoln, Cass, Platte and Madison.