Offering Consumers Protection from Creditor Abuse
If you are having financial problems, you have enough to worry about without also dealing with creditor harassment and other unfair debt collection practices. Many creditors and collections agencies attempt to collect debts through improper methods, harassing debtors with phone calls or threats of wage garnishment, and even collecting on debts that are not owed. The law office of Conrad E. Yunker, P.C., represents clients throughout Salem, Oregon, and the surrounding area in unfair debt collections cases.
With over 20 years of experience, attorney Conrad Yunker is selective about the cases he handles. He narrows his focus and only represents clients if he can offer them the personal care and attention they deserve. If you are experiencing misconduct from creditors or collection agencies, contact the law office of Conrad E. Yunker, P.C., online or call 503-371-0044 to schedule an appointment.
Creditor Harassment
Collection agencies often buy portfolios of debt and then seek to unfairly collect debt from the individuals in the portfolio. Even if the debt has been paid or is "stale" (meaning it is beyond the statue of limitations), these companies will continue to harass people for money. Some people are even sued twice over the same debt. Oppressive collection techniques violate state and federal statutes . Many people pay these companies on debts that are not owed because they feel guilty or are unwilling to contact an attorney. Because of this, the laws in place do not stop creditors from pursuing improper methods of debt collection. Some creditors even incorrectly report debts, or refuse to correct an incorrect credit entry when it is discovered.
Relief for Clients
In Oregon, there are state and federal laws to protect people from unfair debt collection methods. The Fair Debt Collections Practices Act and the Fair Credit Reporting Act both offer curative relief for clients. Under those acts, clients can demand to have things removed from their credit, stop creditor harassment and receive money from the creditor for their improper conduct. Depending on the nature of the violations, punitive damages may be available to punish the creditor for its conduct. To schedule your appointment with an experienced lawyer, contact the firm online or call 503-371-0044 today.