Are you afraid to answer your phone, worried that a collector is on the line? Have you stopped checking your mail each day because you’ve gotten too many menacing letters? If the answer to either question is “yes,” there are laws designed to protect you from these harassing tactics.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, prohibits actions like the following when used to collect or attempt to collect a consumer debt. If a debt collector tries to intimidate you in these ways, you can sue.
● Calling you before 8:00 a.m. and after 9:00 p.m. in your time zone
● Claiming that they will send the police to arrest you if you don’t pay
● Demanding amounts that are inflated by ‘service charges’
● Telling your friends and neighbors that you owe money
● Calling you several times per day using an autodialer
● Pretending to be members of law enforcement
Company Profile: Stawiarski & Associates
If you are being called by Stawiarski & Associates, a company overview is below.
Stawiarski & Associates is a debt collection law office in Englewood, Colorado. It was established in 2000, has approximately 10 employees, and is managed by Leo Stawiarski. Archived court actions at the PACER website show that those who felt they were being harassed by Stawiarski & Associates hired counsel to help them file a claim.
Alleged Violations against Stawiarski & Associates
According to PACER, on or around January 3, 2006, Stawiarski & Associates sent a collection letter to a Georgia resident seeking payment for a debt that had been addressed in a Chapter 13 bankruptcy.
Feeling harassed by Stawiarski & Associates, the consumer sued the firm for:
● Demanding payment for a debt discharged in bankruptcy
● Trying to collect an amount not permitted by law
● Threatening to take action that cannot legally be taken
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for this debt collection agency are:
If they appear on your caller ID, it means that you are being contacted by a debt collection law office, which is a serious matter. If they order you to pay a debt discharged in a Chapter 13 filing, hire a consumer lawyer and file a claim against Stawiarski & Associates. You could receive $1,000 per FDCPA violation, so when you know you don’t owe a debt, stand your ground.
*Case taken from PACER (www.pacer.gov). File number is Case 4:06-cv-00265-HLM from the United States District Court for the Northern District of Georgia, Rome 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 Stawiarski & Associates or any other third-party collection agency, you may not be entitled to any compensation.