Who Are We?

It is no secret debt collectors in Pennsylvania resort to aggressive tactics when attempting to collect debts. However, did you know that most of these tactics violate the law?  Our attorneys and law firm are committed to helping you and regularly evaluate these types of violations in McKean, Potter, Tioga, Cameron, Elkland, and Lycoming Counties.  We do not charge you any fees because the law authorizes collection of fees from the debt collectors.

THE FDCPA

            Debt collection agencies often use dirty tactics in an attempt to intimidate you into paying a debt you have very little means to pay. Not only is this unfair, but also unreasonable. Seldom do debt collectors take into account your current standard of living and the people that depend on you for their support. When a debt collector is being untruthful when speaking with you or communicates threats and harasses you, they have broken the law and should be held accountable.

To curb abusive debt collection, Congress passed the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from using deceitful methods to collect outstanding debts. In fact, under this law the debt collector may actually have to pay you $1,000.00 dollars for violating your rights.

 If a debt collection agent or agency has ever threatened you in any way, you may be entitled to file a lawsuit against the debt collection company or law firm to protect your consumer rights and pursue compensation for damages.

Typical FDCPA Violations

• Contacting you when you are represented by an attorney
• Contacting family, friends, or neighbors
• Contacting your employer
• Not revealing their identity
• Suing on a time-barred debt
• Misrepresenting the debt
• Calling too early in the morning before or too late at night
• Telephone calls to your mobile phone made from an auto-dialer
• Using profanity
• Threatening you in any manner

 

Contact our office for a free evaluation of your claim. We want to help you.

 

(814)-274-8612

Creditors Harassing You? - Know Your Rights

Consumer debt collection is regulated by the Fair Debt Collection Practices Act (FDCPA). The Act protects people from abusive debt collection practices. It places limits on how often they can call, what they can say, and how they can collect a debt. Give us a call if you are being harassed. The Act provides for $1,000.00 per violation and attorney's fees. Consultation on FDCPA cases is free. Better yet, if you hire our firm you will never pay any fee to us to pursue an FDCPA claim. We will collect the fees directly from the creditor who is harassing you!

From offices in Coudersport, Potter County, Pennsylvania, Ross and Ross, LLC serves the personal injury, bankruptcy, social security disability, divorce and family law needs of Western, Northwestern, Central and North Central Pennsylvania including the communities of Coudersport, Galeton, Shinglehouse, West Branch, Smethport, Port Allegany, Bradford, Roulette and Wellsboro, as well as Potter County, McKean County, Tioga County, Bradford County and other areas of Western PA and Central PA.

* Federal law requires the following disclosure: We are a debt relief agency helping people file for relief through bankruptcy under the bankruptcy code.

** There are other types of bankruptcies.  Chapter 11 is for businesses and chapter 12 applies to farms.