If you have an account in collection now, you know that the process can be stressful. Dealing with debt collectors is difficult when they fail to respect your rights, but you don’t have to tolerate mistreatment when there are other options available to you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, allows consumers to dispute a debt, ask for proof that they owe it, and demand no further contact. Collection tactics like those below are prohibited.
- Using profane and obscene language
- Threatening legal action they have no intention of taking
- Demanding an amount that’s not supported by law
- Raising their voice
- Discussing the debt with third parties
- Calling at inconvenient times, usually before 8:00 a.m. and after 9:00 p.m.
Company Profile: Schreiber Law Firm
If you are being called by Schreiber Law Firm, here is an overview of the firm’s operations.
Schreiber Law Firm, which also does business as Schreiber/Cohen, LLC, is a debt collection law office in Salem, New Hampshire. It was founded in 2003, has 24 employees, and is managed by Jeffrey A. Schreiber. Legal records archived at the PACER website show that consumers who believed that they were being harassed by Schreiber Law Firm hired lawyers to protect their rights.
Alleged Violations against Schreiber Law Firm
According to PACER, on or around December 23, 2013, Schreiber Law Firm sent a collection letter to an Indiana consumer. It stated, “As of the date of this letter, according to our client’s directions, the above amount is the total amount of the debt owed... At a later date our client may instruct our firm to collect additional amounts provided for in the aforementioned account agreement or pursuant to state or federal law.”
The consumer was left wondering whether the amount listed in the letter was the amount actually owed. Feeling harassed by Schreiber Law Firm, he sued the firm for providing unclear information about the debt.
The matter was later settled.
Hire a Consumer Lawyer
The phone number for this debt collection agency is 1-603-212-9447. Its presence on your caller ID means that Schreiber Law Firm may be trying to reach you on behalf of a client. If they send collection letters that don’t clarify how much you owe, hire a consumer lawyer and file a claim against Schreiber Law Firm. You could potentially receive $1,000 per violation, so never let an unethical debt collector mistreat you when you know you have rights.
- Has a Debt Collector Asked You to Pay More Than You Owe?
- Has a Debt Collector Threatened Legal Action?
*Case taken from PACER (pacer.gov). File number is Case 4:14-cv-00018-TLS-PRCfrom the United States District Court for the Northern District of Indiana, Hammond Division at Lafayette.
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 Schreiber Law Firm or any other third-party collection agency, you may not be entitled to any compensation.