Are You Being Called By Girvin & Ferlazzo, PC*? Here's What You Need to Know
So many life essentials, like housing, transportation, and quality education are purchased on credit. This reality leaves so many people with debt loads that can become unmanageable if they lose their jobs or become disabled. Even if this happens, you have rights that prevent debt collectors from harassing you into paying.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair and unethical debt collection practices. It takes punitive action against third-party debt collectors that try to apply the following strategies to collect a debt.
- Leaving abusive messages on your voicemail
- Persisting in contacting you directly although they know you have an attorney
- Pretending to be police officers or federal agents
- Threatening you with physical harm
- Calling your friends and family for any reason other than locating you
- Failing to send you a debt validation letter
Company Profile: Girvin & Ferlazzo, PC
If you are being called by Girvin & Ferlazzo, PC, a general office background is below.
Girvin & Ferlazzo, PC is a debt collection law office located in Albany, New York. It opened for business in 1991, has 35 employees, and is managed by its President, James Girvin. Consumer litigation files at the PACER website indicate that consumers who believed that they were being harassed by Girvin & Ferlazzo, PC engaged counsel to help them fight back.
Alleged Violations against Girvin & Ferlazzo, PC**
According to information on the PACER website, on October 17, 2009, Girvin & Ferlazzo, PC tried to collect a debt by sending a collection letter to a New York consumer. It advised her to pay the debt or face legal proceedings, which appeared to violate her dispute rights.
On November 30, she requested verification of the debt and ordered it to stop trying to collect from her, but the firm sent her a letter on December 16 that stated, part, “Our office intends to continue the lawsuit and move forward with entering judgment.” It also began calling her and reporting the debt to the credit bureaus.
Feeling harassed by Girvin & Ferlazzo, PC, the consumer filed an FDCPA lawsuit against the firm for:
- Using harassing and abusive means to collect a debt
- Contacting her after she sent a cease communication notice
- Using false, deceptive, and misleading means to collect a debt
- Threatening legal action it has no intention of taking
- Using unfair and unconscionable means to collect a debt
The matter was later dismissed.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-518-462-0300. If it appears on your caller ID, you are being called by Girvin & Ferlazzo, PC. If they harass you by phone and threaten legal action they have no intention of taking, hire a consumer lawyer and file a claim against Girvin & Ferlazzo, PC.
Owing money does not automatically make you a target, so when a collection agency tries to squeeze you for money you are not obliged to pay, they could soon owe you instead. Fill out the Free Case Evaluation today!
**Case taken from PACER (pacer.gov). File number is Case 1:10-cv-00282-RJA-HBS from the United States District Court for the Western District of New York.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Girvin & Ferlazzo, PC or any other third-party collection agency, you may not be entitled to any compensation.