How to Stop the Collection Letters I’m Getting in New York City

If you have creditors constantly mailing you debt collection notices don’t throw away another letter if you live in New York City. Many of these collection letters could be in violation of the Fair Debt Collections Practices Act (15 U.S.C. § 1692 –1692p) and therefore quite valuable to you. Stop ignoring them or throwing them away, and start saving every one. Many debt collectors don’t even realize their practices are in clear violation of the law which leaves them vulnerable to a serious lawsuit for continually harassing you. It can be quite satisfying for many of our clients to be able to turn the tables on a nasty creditor, eliminating the debt they owe to them and suing them as well.

Seem crazy? Well the fact is that more than 1/5 of our bankruptcy clients may have a “golden ticket” in the stack of collection notices they’ve kept. Our clients that have patiently saved every collection letter have a better than 20% chance of having a legitimate lawsuit against the collection agency. Each of these violations could be worth over $1,000 for our clients, and some cases have multiple violations. If you are receiving collections letters and considering bankruptcy relief already please bring them to our office. We are happy to pursue any FDCPA claims you may have even if you decide to file bankruptcy with another law firm or not at all. There is no charge for this service; if there was a violation the lawsuit is simply free money for you and for our firm. We have a lot of experience processing these claims for our bankruptcy clients and for the few people who figure out other ways to overcome their debt troubles.

If you are underwater on your finances and hearing from debt collectors already then hearing the pros and cons of bankruptcy protection is probably your next best move. Even if you don’t file bankruptcy you may have a case against the nasty collectors that have been breathing down your neck. If you decide to move forward with bankruptcy you will be able to eliminate all of your debts with the creditor and may possibly be able to sue them for their illegal debt collection practices as well. If you live in New York City and have been saving your collection letters please contact the Law Offices of William Waldner online or at 212.244.2882 to arrange a free bankruptcy consultation today. We only practice bankruptcy law and know how to get our clients the financial relief they deserve. We maintain a 99% Chapter 7 bankruptcy discharge record in New York City as of 8/31/16.

This article is intended for educational purposes only. By reading no attorney-client relationship has been created.