WEST VIRGINIA OVERVIEW
We provide 100% free legal help to consumers throughout the state of West Virginia who have been treated unfairly by bill collectors, collection agencies and anyone else attempting to collect a debt. It does not matter how much you owe, they have no right to treat you unfairly. Our team of experienced lawyers regularly represents clients throughout West Virginia and has been extremely successful in all phases of litigation in both the West Virginia State and Federal Courts. Contact us today so that we can put our experience to work for you.
It is a well known fact that collection agencies regularly ignore the law in attempting to collect debts. If you have been contacted by anyone attempting to collect a debt there is a good chance they have broken the law. Contact us for a free evaluation of your rights. As the 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. Let us help you turn the tables on the bill collectors, we can make them PAY YOU. It does not matter if you owe the money or not, you have a right to be treated fairly and with respect.
In addition to the protections offered by Federal law, West Virginia consumers have the additional protection of arguably the strongest state laws in the nation designed to prevent unfair treatment by bill collectors, collection agencies or anyone else attempting to collect a debt. Unlike the Federal law, the West Virginia Consumer Credit Protection Law (W. Va. Code §§ 46A-2-122 to 46A-2-129A and 48-1-307) permits us to sue creditors, such as credit card companies, banks, hospitals or anyone else who claims that you owe money as opposed to only collection agencies. Further, the West Virginia Law provides for far stiffer penalties with some judges awarding up to $4,000.00 per violation. That’s right, 10 calls in violation of the law could amount to a penalty of $40,000.00 in addition to any other damages plus an award of attorneys fees. Best yet, if the Court determines that there has been a willful violation of the law it has the direct authority to cancel the debt itself. If they treated you unfairly, we may be able to make them pay you a large sum while at the same time wiping away the debt they sought to collect in the first place. Contact us today for a free evaluation of your case.
Have you been contacted by collectors using any of these tactics?
- multiple or harassing calls
- calls or messages on your cell phone or when the caller does not state that it is an attempt to collect a debt (save all messages)
- threats of legal action or garnishment
- attempts to collect a debt you do not owe or is owed by someone else
- letters which fail to provide all required information (contact us for details)
- discussing a debt with friends, family or anyone other than your spouse
- threats to your credit or lawsuits
- use of abusive or profane language
- attempts to collect debts discharged in bankruptcy
- calls early in the morning or late at night
If collection agencies, bill collectors or anyone else have used any of these unfair tactics against you or anyone you know, contact us today for a free evaluation of your case. We can stop the unfair treatment. We can help!