Posts Tagged ‘Collection’
How to Deal with Debt Collectors- What the Collectors Say
One of my friends is a debt collector, and I asked him what advice he would give to his mother for how to deal with a debt collector. Here is what he said. First, the best way is to never need to deal with them, by paying your bills, but if you are forced into a situation where you must, here is what you should do.
1. Talk with the collectors. Ostrich technique does not work with debt collectors, they tend to get more aggressive, and eventually sue. That first call or letter will not be the last if you don’t respond. Request verification of the debt. Start with making sure they are collecting an account that you owe. Dealing with a mistaken identity or ID theft is different from dealing with your own accounts. Verify the amounts they are requesting.
My comments: I agree, but with a variation. You should communicate in writing. It makes the record so much clearer.
2. There may be tax consequences if you settle a debt, rather than pay the full balance. Debt collectors cannot give tax advice, and if they write down the debt by more than $600, they are required to send a 1099 to the IRS, and you could pay taxes on the money.
My comments: Yes, that is true, but if you are going to compromise a debt, tax consequences should be discussed with the collector before the deal is inked. Some collectors have authority to discuss tax consequences, some do not. Be on the lookout for a 1099 for the entire balance, or the forgiven balance, as this is not correct. You should not pay taxes on the interest, only the principal. Consult a tax professional for the details on that.
3. If you have problems, complain to the Federal Trade Commission customer service hotline.
My comment: And the Attorney General of the US, the Attorney General of your state, and you should find a lawyer who deals in collection abuse, like us.
4. Request a supervisor. If you are trying to pay, but the collector on the phone cannot make the deal you can afford, request a supervisor, who may be able to make a better deal.
My comment: If you cannot make a deal pretty quickly on the phone, you should not be talking to them on the phone. It is pretty rare that a supervisor can make a deal that a line collector cannot, and they often are just another line collector on the phone anyway. Better to send them a letter that says that you request no more phone calls, and that all communications should be in writing. Better still is a letter telling them to communicate with your lawyer.
If you have been impacted by anything we mentioned here, please make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Forgot to list your Personal Injury Claim in your Bankruptcy?
There is a recent Virginia Supreme Court opinion that says that the ability to bring a lawsuit, “standing”, must be in existence at the time the lawsuit is filed. In Kocher v. Campbell, the plaintiff had been in a car wreck in 2004, filed Bankruptcy in 2005, and not listed the asset of the potential personal injury claim in his Bankruptcy. He eventually voluntarily dismissed the lawsuit, then reopened his Bankruptcy to show the asset of the personal injury claim. Before the trustee abandoned the PI claim (personal injury money is exempt in Virginia pursuant to Virginia code 34-28.1), the plaintiff filed suit again. However, because he still did not have the right to bring the claim (because the trustee had not abandoned the claim) he was not the right party—he did not have “standing”. The Virginia Supreme Court ruled that the lawsuit, when brought by someone who does not have the right to bring a lawsuit- because they are not the right party- the lawsuit is a legal nullity—it does not exist. You can read about the case here.
What is the lesson we should learn from this? That EVERYTHING that you MIGHT have a right to—car accidents proceeds, inheritance, wrongful death proceeds, ANYTHING, must be disclosed to your lawyer when you are filing for Bankruptcy. This plaintiff lost the right to get anything out of that lawsuit because he did not have the right to bring it.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230
Car Repoed? You may not need Bankruptcy.
Everyone knows that you have to pay for the products that you purchase. Some you pay for with cash (or cash equivalent- checks, debit cards, etc). Some you pay for with credit- credit cards, loans, etc.
The “story” of a cash purchase ends there. You have paid for it, it is yours.
The “story” of a purchase made with credit does not end there. If you don’t pay the lender back, they have the right to repossess the thing you bought. The most common examples are cars and houses. Theoretically, your credit card purchases at Best Buy are in the same category, but not always.
In the case of a car loan, there are specific rules the lender must follow. These rules are governed by Virginia Code’s version of Revised Article 9 of the Uniform Commercial Code, codified at VA Code sections 8.9A-100 through 8.9A-709.
When a car loan is defaulted, they have the right to repossess, but they must give you certain notices. They must tell you that they are going to sell the car, and how long you have to get the car out of “hock”. They must tell you that if the car is sold, that you will be responsible for any short fall (“Deficiency balance”), and that if there is an overage (“Surplus balance”) that you will get that amount back (surpluses are very rare). After they sell the car, they must send you an accounting, and tell you how much the deficiency or surplus balance is.
If they don’t there are 2 consequences. The first is the one that is most important- you are not responsible for any deficiency. The second is that you have the right to sue them for the entire amount of the interest charge, plus 10% of the principal. VA Code 8.9A-625[c]. You are not entitled to attorney fees and costs.
This includes when a car dealer sells a car, and fails to obtain financing. The Virginia Supreme Court recently held Victory Nissan of Chesapeake to that in Cappo Management V, Inc. v. Britt., and awarded damages to Ms. Britt.
This is common in yo-yo sales. If you are the victim of this kind of abuse, you do not need to file for Bankruptcy protection. Let us help turn the tables on the collectors for you.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230
Tax Return ID Theft
The Fair Credit Reporting Act is designed to protect consumers from inaccurate or outdated information on credit reports. But there is a more insidious problem looming.
Tax Return ID Theft is on the rise. Yahoo News has a story about how it is getting bigger.
Tax Return ID Theft is when someone else uses your social security number and other personal identifiers to work or obtain other government benefits. Usually this is done by an illegal alien, who needs your personal information to give to an employer so they can work.
To combat this growing scourge, it is important for you to safeguard your information and documents. Just as the advertisements suggest, you should destroy documents with your full social security number rather than just throw them away. You are even better protected by not disposing of them at all.
If you are the victim of tax return fraud, you should contact the IRS, and send in a Tax Form 14039, a tax ID theft Affidavit. This will help some in your efforts to control the damage.
But you should also be checking your credit file. Identity thieves rarely limit themselves to just your work records. You should be ordering your consumer disclosures from the 3 national credit reporting agencies. You can do this by mail, or phone. Download the form for requesting your credit report by mail, or call the central number for ordering by phone- 877-322-8228.
NO FEE IN YOUR FCRA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Recording collection calls
It is legal to record phone calls, but we advise that you do not, and we suggest that this article is a good starting point on why not.
A summary of Herring and Watts article is that in some states where collectors operate, it is illegal to record without the consent of all parties, and it is not strictly necessary- your testimony is admissible.
Virginia law is that any party to a conversation may record. VA Code §19.2-62.
Federal law is that any party to a conversation may record. 18 U.S.C. §2511.
There are 10 states that require that all parties to a conversation must consent, or the recording is criminal. California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Pennsylvania, and Washington each require the consent of all parties to record. The balance allow anyone who is a party to the conversation to record.
In ALL states and by Federal law, recording a conversation that you are not a party to (eg: recording your next door neighbor’s conversation) is criminal. There are exceptions in criminal justice, when the government obtains a warrant for a wiretap, but generally, it is illegal.
It is often very difficult to determine what state the collector is located. Further, even if you are located in a 1 party state, and they are located in a 2 party state, the question then becomes what law applies.
As a result, we agree with Herring and Watts, and say that even though it is legal, we advise that you should not record your conversations. In the event that you do record, we advise that you disclose that you are recording, and tell the collector that by staying on the phone that they are consenting to being recorded.
Your notes of a call are perfectly good records of what happened. Here is a link to a form for tracking calls, and making notes of what happened.
Also, you can have other people listen to your side of the conversation, or even participate in the conversation.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Being sued by a creditor
A potential client called today, and complained that he had hired a lawyer to do some work for him, and that the lawyer was now suing him for his fees.
He complained, not because the attorney was suing for his fees (there are some lawyers who do this, even though this is discouraged), but because the lawyer had not played fair in suing him. Apparently, the lawyer had sued, and then sued again, and the potential had not gotten served properly, but the lawyer had taken judgment against him. The potential was very upset, and contacted the lawyer, and made payment arrangements, and made some of the payments. Then he checked his credit report, and discovered that the lawyer had gotten a judgment, and the judgment was on his credit report. So he called, and communicated with the lawyer, and the lawyer had stated he would take care of it. Then it appears, he marked the judgment satisfied. But the client was unhappy, and he refused to pay any more. So the lawyer sued again.
I turned this case down. The lawyer was collecting a debt owed to him. One of the important features of the Fair Debt Collection Practices Act is that it only covers third party collectors. That means that although lawyers are covered when they are collecting money owed to someone else, if the money is originally owed to them (for example for fees earned), they are not debt collectors, and not subject to the act.
Remember, if you are being harassed by a debt collector, you need to know your rights. But remember that they have very powerful options, too. Virginia has very limited consumer rights. Most of the rights are given to creditors.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Sued on an OLD debt?
Attorney debt collectors are not exempt from the law just because they are lawyers. They actually have a slightly higher standard of care that they must engage in to comply with the law. They must make sure that what they do to collect not only complies with the rules of collection, but also the rules of ethics.
The statute of limitations is a rule that sets the time for a someone to sue to collect. It is not a time limit to collect, or garnish, or take other collection activities, but to file the lawsuit. And the time varies from jurisdiction to jurisdiction and circumstance to circumstance. The time to sue on a credit card in Virginia is different from the time to sue on a defaulted car note in California. Beyond that time, the debt is barred by the statute of limitations.
The Fair Debt Collection Practices Act prohibits misrepresenting the amount, character or legal status of a debt in an effort to collect on that debt.
But on a regular basis, they do sue on debts that are time barred. For example, in this article, National Credit Adjusters threatened to sue on time barred debt. Here is another article on time barred debt.
When they sue, they are representing to you and the court that they have the legal right to sue. That the time has not passed. But if it has passed, they are making a false representation.
It is not unethical to sue on a time barred debt in Virginia. Do not make the mistake of making a complaint to the state bar. This is because in Virginia, the statute of limitations is an affirmative defense. That means that YOU must bring it up to be an effective bar against collection.
Krumbein Consumer Legal Services, Inc., is happy to help consumers who have been impacted by debt collection attorneys who have sued after the expiration of the time to sue. The facts and law vary from case to case, so it is important to contact a lawyer before the gavel falls, so if you are sued in Virginia, make an appointment to see us soon.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd.
Suite 102
Richmond, VA 23230
Who owns your house?
Some people chose to surrender the house after they file for Bankruptcy. Some because they can no longer afford it, some because it was a bad financial decision. However, they have a problem, one that is growing nationwide.
The mortgage company has not foreclosed, and they will not accept a deed in lieu of foreclosure.
You still own the house after your Discharge.
The problem is that you will still incur real estate taxes (if you live in a jurisdiction that taxes real estate), you will still incur and owe home owners association (HOA) dues. You will still be responsible for events that happen on the property, everything from people slipping and falling to county assessments for failing to mow the grass.
http://www.fdcpa.me/mortgage-forclosure-after-flbankruptcy/
Some people move out, even though they are incurring taxes, HOA dues, and other expenses.
Some people beg the mortgage company to take the house.
For example, one of my clients tried to allow the foreclosure before she filed for Bankruptcy. We even called the day before the foreclosure, to make sure the foreclosure was still on. We explained that she was out of the property, and was not intending to keep the house. They called off the foreclosure, because the mortgage company did not want to be on the hook for the real estate property taxes, HOA dues and potential losses.
Remember, the owner of record is responsible for real estate taxes, HOA dues, and any thing that happens on the property.
So we waited to file the Bankruptcy, figuring they would reschedule some time soon. And we waited, and waited. Finally, my client was unable to wait any more, so we filed a Bankruptcy. STILL no foreclosure.
Another client filed Bankruptcy just before the foreclosure. Of course, the foreclosure was stayed. Then, they moved for permission to foreclose. The judge asked some questions about who owned the note. The motion was continued. The Chapter 7 the client filed was Discharged. Still no foreclosure. The case was closed. Still no foreclosure. But this client was a bit wiser. She continued to live in the house, without paying the (now Discharged) mortgage for 2 more years. It was only when they had foreclosed and filed for eviction that my client left.
Why did we advise her to stay that long? Because after the foreclosure sale, the Bank bought the house back, and did not file the deed of foreclosure. She still owned the house, so she paid the HOA dues and taxes, and maintained some insurance. The bank did not want the house, they wanted the money, and if the bank owned the house, they would have to keep the house maintained, keep the real estate taxes and HOA dues paid, and be responsible for the property. So she got to live there for almost free for almost 3 years, and the Bank did not have to pay the real estate taxes, HOA dues or maintain the property.
Our advise is that for most people, they should continue to live in the property until the foreclosure deed is filed with the county, and you can only be assured of that by being evicted. Pay the real estate taxes, pay the HOA dues, keep the water and electricity on, and keep the home owners insurance up to date. Don’t move out until you have to. The taxes, insurance, fees and dues are much less than rent anywhere, so save yourself some money. File the Bankruptcy if that is what you need to do, but don’t move out.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
OUR FEES: Our fees are controlled by the local rules and your situation. They may vary from “free” or probono representation to a flat fee to an hourly fee, depending on your situation.
If you are not a Virginia Resident, click here to find a lawyer near you.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.303.0204
You can fax us: 804.303.0209
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230
Fixing Credit Report Errors
The Fair Credit Reporting Act is designed to protect consumers from inaccurate or outdated information on credit reports.
CONSUMER REPORTING AGENCY REINVESTIGATIONS and The Fair Credit Reporting Act
All references to code sections are courtesy of the Legal Information Institute at Law.Cornell.edu.
The Fair Credit Reporting Act requires the Credit Reporting Agencies, or Consumer Reporting Agencies to conduct a reinvestigation and the procedures around that reinvestigation.
The section that discusses the requirements for reinvestigation of a disputed item is 15 U.S.C. §1681i.
As usual, we start with the statute. Please note that we will only be reviewing the section on reinvestigations, so the rest of the section will not be reprinted or discussed.
This section requires the consumer credit reporting agencies to have procedures if they are unable to verify information, or if they discover that information is inaccurate.
It requires that the information that they cannot verify be deleted or changed, and that information that is inaccurate be changed or deleted.
An example of unverifiable information is where the furnisher of the information provides information that a person has failed to make certain payments (ie: been late) on a debt, but is unable to provide the records that show that the person has not made those payments.
In this case, the consumer credit reporting agencies must remove the information that the person has failed to make those payments. They have to report that the person is current.
Another example of inaccurate information is an account created by identity theft. Clearly, it is not accurate to report that a person owes money to a certain creditor when that account was opened by someone else. In this case, they must delete the inaccuracy, and remove all reference to this account.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FCRA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail. You can call us: 804.303.0204 You can fax us: 804.303.0209 You can contact us by US MAIL: Krumbein Consumer Legal Services, Inc. 5310 Markel Rd. Suite 102 Richmond, VA 23230
Actual Damages for FDCPA
The Fair Debt Collection Practices Act is designed to protect consumers from abusive or harassing conduct, false or misleading statements or unfair act by Debt Collectors.
What is “actual damages” are available under the Fair Debt Collection Practices Act?
As usual, we start with the statutory definition. Thanks to LII.
15 USC §1692k[a] says that a debt collector must pay 1- actual damages, 2- statutory damages of up to $1000.00 and 3- Attorney fees and costs.
What does this mean for you?
Attorney fees and costs. The truth is that this is why lawyers take these kind of cases at all. The bad guy pays the fare for the cost of litigating these violations. The courts have held that as long as we are reasonable, that the way to calculate our fee is based on the “Lodestar” calculation of the amount of time it took (assuming reasonable) and multiply that by the hourly rate (which also must be reasonable. (see generally, Hensley v. Eckerhart, US Supreme Court[courtesy of Justia.com]). In many states, including Virginia, it is against the Rules of Professional Conduct (rules of ethics) for us to share our fees with clients. (See RPC 1.5.), however, we are permitted to take most cases on a contingency fee basis.
Statutory damages of up to $1,000.00. If a debt collector violates the Fair Debt Collection Practices Act, they must pay a fine to you. The question becomes HOW MUCH fine. The case law on the Fair Debt Collection Practices Act is clear in that it does not matter if they have caused damages to you—you do not have to suffer any actual damages—in order for you to be entitled to statutory damages. Similarly, the maximum you can recover in statutory damages is $1,000.00. You may recover less, depending on the circumstances. The Fair Debt Collection Practices Act requires the judge or jury to decide on a 3 factor test of 1-the frequency of non-compliance, 2-the nature of the non-compliance and 3-the extent to which the non-compliance was intentional to determine how much of the $1,000.00 you would be entitled to recover. However, the case law on the Fair Debt Collection Practices Act is NOT clear on the question of HOW MUCH. If they violate the law in more than one way, the majority of cases say that you are entitled to one recovery no matter how many violations they commit. PUNTIVE DAMAGES ARE NOT AVAILABLE.
Actual damages are hard to describe, they are anything that is an actual “out of pocket” expense. Examples are
Expense of a collect phone call or text message.
Money that you pay that you do not owe
Money for a lawsuit that is beyond the statute of limitations
Fee for collection that you should not have to pay or is prohibited by law
Other kinds of damages that vary from case to case, and jurisdiction to jurisdiction
Emotional distress damages. In some jurisdictions, you must show extreme damages, in others, only that there was some impact. Emotional damages are very hard to value.
So, you can see, actual damages is almost anything, which makes it hard to describe.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FDCPA CASE UNLESS WE RECOVER!!
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.673.4358
You can fax us: 804.673.4350
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
1650 Willow Lawn Drive
Suite 300
Richmond, VA 23230