NORTH CAROLINA OVERVIEW
We provide 100% free legal help to North Carolina consumers that have been treated unfairly by bill collectors, collection agencies or anyone else attempting to collect a debt. Our team of attorneys regularly represents clients throughout NC and are well versed in the local practice throughout the state. It does not matter if you owe the money they claim, you have a right to be treated fairly and with respect. Our lawyers have been extremely successful throughout all phases of litigation and arbitration, let us put our expertise to work for you.
It is a simple fact that collection agencies and bill collectors ignore the law on a regular basis. If you have been contacted by bill collectors, collection agencies or their lawyers there is an excellent chance that they have violated State and Federal Laws. If you are not sure, contact us and let us inform you of your rights. As the various state and federal laws we apply on your behalf permit an award of attorney’s fees IN ADDITION to the award of damages to you, we are able to provide 100% free legal representation. Your award will not be reduced by any amount for attorney’s fees. Let us help you turn the tables on the bill collectors, we can make them PAY YOU.
In addition to the Federal Law which protects all Americans, North Carolina consumers have the significant additional protection provided by state law. Unlike the federal law (Fair Debt Collection Practices Act), the North Carolina Laws also protect against unfair treatment directly by creditors such as credit card companies, banks, hospitals or anyone else who claims that you owe money. A violation of these North Carolina Laws (N.C. Gen. Stat §§ 58-70-90 to 58-70-130 and §§ 75-50 to 75-56) is also a violation of the North Carolina UDAP statute and in certain circumstances provides penalties of $2000.00 for a violation in addition to an award of attorneys fees. Even better, while the NC law provides better remedies (the potential for making the collectors pay you more) than the federal law it also allows lawsuits to be filed for up to four years after the violation happens rather than the one year statute of limitations provided by the Federal Law. These laws give us even more tools to fight collectors on your behalf.
Have you been contacted by debt collectors using any of these tactics?
- multiple or harassing calls
- attempts to collect a debt you do not owe or is owed by someone else
- letters which fail to provide all required information (save all letters and contact us for details)
- discussing a debt with friends, family or anyone other than your spouse
- calls or messages on your cell phone when the caller does not state that it is an attempt to collect a debt (save all messages)
- threats to your credit or lawsuits
- use of abusive or profane language
- attempts to collect debts discharged in bankruptcy
If collection agencies or bill collectors have used any of these unfair tactics against you or anyone you know contact us today for a free evaluation of your rights.