Foreclosure and Loan Modification Blog

I’m attorney Nick Murado. I sue debt collectors and can fix your credit rating – for FREE!

If you have any debts in collections, you know the types of tactics the debt collector scum are willing to use:

• They have no problems insulting you, abusing you, or cursing you out.
• They love to call you at work, which can threaten the status of your employment.
• They cherish those early morning or late night calls, designed to disorient you and wear down your willpower, hoping you'd just pay them so they would go away and let you sleep.
• They relish those times they call your family, your neighbors, or your friends, attempting to convert them into tools of war to be used against you.
• They enjoy placing false, fraudulent, or otherwise incorrect information on your credit reports, tanking your credit rating.

When a debt collector calls you, it's important to keep a record of what happened, especially if you think your rights may have been violated.

Consumer law attorneys need, at a minimum, the following information to begin a prosecution of your rights under the FDCPA, FCCPA, or TCPA:

• The number that called
• The time of the call
• The date of the call
• The name of the company calling, if known.

Any time a new number calls you, it is important to answer the phone at least once to make sure that a given phone number belongs to the same debt collection company. Once you have this information, you can hang up. Any future calls from that particular phone number can be logged as belonging to that same company.