Stress over financial hardship, especially when an abusive debt collector gets thrown into the mix, can be unbearable. If this happens to you, stay calm. As a consumer you have rights that specify what debt collectors can do to get your money.
Your Rights Under the FDCPA
The Federal Trade Commission (FTC) regulates the activities of third-party collection agencies. It enforces the Fair Debt Collection Practices Act, or FDCPA, which gives you the right to sue when a debt collector ignores your rights in the following ways:
● Raising their voice and making threats
● Threatening legal action they cannot take
● Telling your friends, coworkers, and neighbors about the debt
● Swearing and calling you names
● Contacting you even after you’ve ordered them to cease communications
● Demanding an amount that is not supported by law
Company Profile: McGuigan Law Office
If you are being called by McGuigan Law Office, additional information about the firm is below.
McGuigan Law Office is a debt collection law office in Trevose, Pennsylvania. It was founded in 2011, has fewer than 10 employees, and is managed by M.F. McGuigan. A review of PACER website records confirms that people who felt harassed by McGuigan Law Office got a free case review from a consumer lawyer before going to court.
Alleged Violations against McGuigan Law Office
According to PACER, in or around early 2012, McGuigan Law Office began calling a California consumer about a debt. She alleged that collectors yelled at her, called her a deadbeat, and called her boss and co-workers to embarrass her into paying.
Feeling harassed by McGuigan Law Office, the consumer hired counsel and took the firm to court for:
● Failing to identify itself as a debt collector
● Contacting uninvolved third parties
● Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection law office is 1-215-526-2700. If you ever notice it on your caller ID, it means that you are being called by McGuigan Law Office. If they use abusive language and share details of the debt with others, hire a consumer lawyer and file a claim against McGuigan Law Office. If you stand up for yourself, you could be awarded $1,000 per FDCPA violation, so don’t be too intimidated to act on your rights.
*Case taken from PACER (www.pacer.gov). File number is Case 2:12-cv-04170-JEM from the United States District Court for the Central District of California, Western Division.
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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 McGuigan Law Office or any other third-party collection agency, you may not be entitled to any compensation.