Philadelphia Collections Lawyer
A Philadelphia collections lawyer is someone who can ensure your rights to fair, dignified and respectful treatment from debt collectors. You are guaranteed rights to this treatment under federal law, specifically the Fair Debt Collection Practices Act (FDCPA); however, not all companies who work in this industry observe and maintain the requirements of this law.
When you determine you need to enlist a Philadelphia collection lawyer to take your case, it is a step toward restoring both legal and emotional well-being. The law recognizes that debt collectors can be overzealous and even engage in illegal and predatory activity in order to collect on debts. Far better that, through working with a Philadelphia debt collection lawyer, you address your debts in a managed, deliberative process—not a panicked reaction to debt collector threats.
Media Collections Lawyer
Philadelphia and Media debt collection lawyers help clients overcome common and illegal practices that are intimidating and threatening. Federal law is further strengthened by the Pennsylvania Fair Credit Extension Uniformity Act (PFCEUA). Together, these laws cover instances when a debt collector does one or several of the following:
- Threatens lawsuits, liens, or arrest for unpaid bills
- Contacts neighbors, friends, or your employer about your debts, sometimes under the guise of asking them to convey messages to you
- Contacts you at your place of employment, even after you request that not not be done
- Histrionic and hysterical behavior: When a collector yells, swears, insults, or conveys other forms of disrespect on the phone
- Leaves anonymous or deceptive phone messages
- Contacts you before 8 a.m. or after 9 p.m., or any unusual time or place
- Reveals to third parties that you owe a debt (other than a credit reporting bureau)
- Inquires of third parties about anything other than your whereabouts
In fact, once you inform a creditor you are working with a Media collections lawyer, they are required to cease contacting you regarding the debt and to deal instead with your attorney. In addition to counseling you on managing the debt from a legal standpoint, your Media debt collection lawyer can also be your buffer, someone who can handle creditors while you tend to work and family.
Philadelphia Collection Lawyers
It is because debt collectors previously worked in overly aggressive ways that the consumer protection laws were enacted. This is not to say that debts can be forgiven, short of filing for bankruptcy. But Robert P. Cocco, P.C. is recognized among qualified Philadelphia collection lawyers for his capabilities at restoring a respectful and manageable process to the paying off of debt.
Robert P. Cocco is recognized among Philadelphia and Media Debt Collection Lawyers for his work with clients, particularly in helping homeowners fight predatory lenders. Pennsylvania State Senator Shirley Kitchen presented Cocco with a Community Leadership Award in 2008 for his work helping consumers victimized in abusive financial transactions.
For more information on how Robert P. Cocco, P.C. can help you manage difficult debt collectors, call 888-326-9732.
