Consumer Protection

What to do about identity theft or debt collector harassment

Identity theft and improper reporting by collections agencies can ruin your credit rating.  If you have been a victim of identity theft or if your credit score has been destroyed, we can help to clear your good name with creditors and credit reporting agencies.  Additionally, if you are being harassed by creditors, we can put a stop to abusive collections calls. Our firm handles claims involving:

  • Fair Credit Billing Act – Creditors are responsible for correcting billing errors with due diligence.  When your creditor has failed to reverse unauthorized charges, charged the wrong amount, charged you for merchandise you never received, failed to post payments and other credits, failed to send bills to your current address before the bill comes due, or failed to provide you with written proof of purchase, our attorneys can help.
  • Fair Debt Collection Practices Act – Even if you owe money on your credit card, auto loan, medical bill or mortgage, your creditors do not have the right to harass you to collect on an outstanding loan.  Your creditors cannot release false information about your outstanding debt to anyone – including your employer or a credit reporting agency.  If your reputation has been maligned by a credit reporting agency that is acting unethically, our office can help.
  • Fair Credit Reporting Act – As a consumer, you have the right to review your credit score and dispute any mistakes in your credit report.  In addition, if you have been a victim of identity theft, you can dispute any of those fraudulent charges.  Since interest rates, financing charges and required deposits are closely tied to your credit score, it would be in your best interest to contact an attorney at Mearkle, Trueblood, Adam to help you resolve these issues as soon as possible.  The longer you wait, the more difficult it is to reverse the damage done to your financing options.