If debt collectors are calling you several times a day, always demanding payment for debts you either never owed or can no longer afford, you may be tempted to declare bankruptcy to make it stop, but there are other ways to bring the harassment to an end.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, requires third-party debt collectors to be professional when reaching out to consumers, so any abusive behavior is against the law. Below are some actions that can put a collection agency out of business.
● Using profane and obscene language
● Ignoring a written dispute
● Threatening to garnish your wages
● Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
● Pretending to be attorneys, police officers, or federal agents
● Telling your friends, neighbors, and co-workers that you owe a debt.
Company Profile: Law Offices of Joel Cardis
If you are being called by the Law Offices of Joel Cardis, here is a general background of the firm and its management.
The Law Offices of Joel Cardis, which also does business as Keystone Law, is a debt collection law office in Norriton, Pennsylvania. It opened for business in 2001, has 10 employees, and is managed by Joel Cardis. A search of litigation records at the PACER website shows that those who believed they were being harassed by the Law Offices of Joel Cardis went to court to fight back.
Alleged Violations against the Law Offices of Joel Cardis
According to PACER, on or around February 12, 2015, the Law Offices of Joel Cardis sent a collection letter to a Wisconsin consumer. It appeared to imply that there was now active attorney involvement in the case and legal action would be forthcoming.
Feeling harassed by the Law Offices of Joel Cardis, the consumer took legal action against the firm for:
● Using misleading means to collect a debt
● Threatening legal action it could not take
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection law office are:
If any of them make an appearance on your caller ID, be aware that the Law Offices of Joel Cardis is calling. If they send collection letters that hint at (nonexistent) legal action, hire a consumer lawyer and file a claim against the Law Offices of Joel Cardis. Even collection attorneys are subject to the FDCPA, so you could be awarded $1,000 in statutory damages per violation. To learn more, get a free evaluation from a consumer lawyer today.
*Case taken from PACER (www.pacer.gov). File number is Case 2:15-cv-01444-CNC from the United States District Court for the Eastern District of Wisconsin, Milwaukee Division.
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 the Law Offices of Joel Cardis or any other third-party collection agency, you may not be entitled to any compensation.