DEBT COLLECTORS fear me,
I make them PAY YOU!
Just because you may owe a debt, does not mean you owe it to the debt collector!
Boe & Associates
Can Help You
Abusive debt collectors intentionally use aggressive and unethical practices meant to take advantage of the vulnerabilities and distress that consumers experience when dealing with overwhelming debt.
We can level the playing field by stopping the debt collection activity, unravel their shady claims, hold them accountable for illegal and abusive tactics, and make them pay you for violating your rights.
CURRENTLY MAKING PAYMENTS TO A DEBT COLLECTOR?
Contact us BEFORE you make your next payment!
In addition to the many ways we may be able to help you, we may also be able to help you get a refund of any payments you've already made.
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Have you been sued by a debt buyer or a debt collector?
OR
Has a debt buyer or debt collector been attempting to collect a debt from you?
YOU MAY BE OWED MONEY!
Debt buyers and debt collectors have a long track record of abusive debt collection practices.
Boe & Associates helps consumers, like you, fight back against abusive debt buyers and debt collectors, and hold them accountable for their abusive and unfair debt collection practices.
If a debt buyer or a debt collector is contacting you, you need to contact
Boe & Associates, today!
Know Your Debt Collection Rights
Abusive debt collectors intentionally employ aggressive and unethical practices meant to take advantage of the vulnerabilities and distress that consumers experience when dealing with overwhelming debt. This stress can make it easy to forget that you have rights intended to protect you from these abusive debt collectors.
The Fair Debt Collection Practices Act (FDCPA) provides consumer protections against harassment and abusive practices from debt collectors.
The FDCPA prohibits debt collection agencies, debt buyers, and other third-party collectors from a wide range of dishonest and abusive practices, including:
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Attempting to collect a debt you don't owe
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Attempting to collect more than you owe on the debt
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Attempting to intimidate you in any way
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Calling multiple times each week intending to harass
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Calling in the early morning or late night
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Calling at work when they know your employer objects
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Calling friends, family, or neighbors for purposes other that to find out how to contact you
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Threatening lawsuits, violence, or arrest
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Making criminal accusations toward you
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Misleading you about the legal status of the debt
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Misrepresenting that they are law enforcement officers, attorneys, or court personnel
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Using profanity or obscene language
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Threatening negative credit reporting
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Contacting you after you have told them, in writing, to stop
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Using automated robocalls in their attempts to collect
Boe & Associates Can Help You
Deby buyers purchase uncollectible debt from creditors like banks, credit card companies, lending companies, and utility companies. Debt buyers purchase the debt from these companies in bulk and end up paying pennies on the dollar for the "junk debt."
Once the debt buyer has purchased the debt, they become the new owner of the debt and have all the rights of the original owner, including the right to collect on that debt. After the debt has been purchased, the debt will typically show up on the consumer's credit report as a new account with the debt buyer as the new owner of the debt.
Because debt buyers only make money when they collect the debt they've purchased, most debt buyers can be very aggressive in their collection efforts and many of them employ brazen and abusive tactics that violate state and federal consumer protection laws.
However, most consumers are not aware of their the laws that have been put in place to protect them against abusive debt collectors. These companies know this so they are not too concerned with getting caught violating these laws. Even when caught, the big companies that can afford it, just pay the fines and continue their abusive practices.