Consumer Protection Lawyer for Debt Collection Harassment and Credit Report Errors
If a debt collector is harassing you, your credit report contains errors, or a lender violated your consumer rights, you may be entitled to compensation under federal consumer protection laws.
JCH Law represents consumers in Texas and Alabama who have been harmed by:
- Debt collection harassment
- Credit report errors
- Identity theft
- Wrongful repossessions
- Illegal lending practices
Federal laws such as the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Truth in Lending Act (TILA) allow consumers to recover damages and attorney’s fees when companies violate these laws.
In many cases, you pay nothing unless the case is successful because the law requires the violating company to pay the attorney fees.
Debt Collection Harassment Lawyer (FDCPA)
Debt collectors must follow strict federal rules when attempting to collect a debt. If collectors call repeatedly, threaten you, contact your family, or misrepresent the amount owed, they may be violating the Fair Debt Collection Practices Act.
Common FDCPA violations include:
- Harassing or repeated phone calls
- Calls before 8 AM or after 9 PM
- Contacting family members about your debt
- Threatening arrest or legal action
- Attempting to collect debts that are not owed
Consumers may recover statutory damages, actual damages, and attorney’s fees when collectors violate federal law.
Credit Report Error Lawyer (FCRA)
Credit reporting agencies must ensure the information in your credit report is accurate. When incorrect information appears and is not properly corrected after a dispute, the credit bureaus may be liable under the Fair Credit Reporting Act.
Common credit report problems include:
- Accounts that do not belong to you
- Incorrect balances
- Identity theft accounts
- Duplicate accounts
- Incorrect late payments
If a credit bureau fails to properly investigate your dispute, you may have a legal claim.
Identity Theft Lawyer
Identity theft can severely damage your financial reputation and credit history. When fraudulent accounts appear on your credit report and are not removed after a dispute, legal action may be necessary.
JCH Law helps identity theft victims force credit reporting agencies to correct inaccurate reports and recover damages under federal law.
Wrongful Repossession Lawyer
Auto lenders and repossession companies must follow strict legal rules when repossessing vehicles.
Examples of wrongful repossession include:
- Repossessing a vehicle without proper notice
- Breaching the peace during repossession
- Repossessing a vehicle after the loan was paid
- Failing to properly credit payments
Consumers may have legal claims if repossession laws are violated.
Free Consultation
If you believe your consumer rights have been violated, contact JCH Law for a consultation.
You may have a claim if:
- Debt collectors are harassing you
- Your credit report contains incorrect information
- Your identity has been used fraudulently
- Your vehicle was wrongfully repossessed
Contact JCH Law today to discuss your case.