Consumer Debt Defense Lawyer
Having problems with aggressive debt collectors? Even if you owe money, debt collectors often break the law to get it. At Hofer Hagan LLP we’re here to make sure you’re not harassed by debt collectors — and if you are, we can make them stop. We’ll then determine if you qualify to receive compensation for the harassment. Contact us at (317) 349-0887 or request a consultation now. Based in Indiana, we serve cities throughout the state.
Illegal Tactics Debt Collectors Use
As FDCPA lawyers, we understand how upsetting it can be to have debt collectors hounding you. Fortunately, the Fair Debt Collection Practices Act and Telecommunication Protection Act protect you, even if you owe the debt. Are debt collectors trying any of these tactics on you?
- Calling at 11 p.m.?
- Calling you repeatedly in an hour?
- Cursing at you?
- Threatening to send the police after you?
- Threatening to file a lawsuit for a debt on which the statute of limitations has expired?
- Trying to collect on a debt the collector does not actually own?
- Trying to serve papers for a debt at an incorrect address?
- Trying to collect more than is owed?
If these and other illegal tactics are being used against you, you may have a right to file a lawsuit against unfair debt collection and even be awarded damages by the court. Our debt lawyers will do a free consultation to see if there is probable cause to file a suit against a debt collector.
Fair Credit Reporting Act
Credit discrepancies are another type of work we litigate. Lenders and credit reporting agencies must abide by the Fair Credit Reporting Act. Here are two examples we frequently see:
- In this scenario a consumer’s credit rating is being incorrectly reported by any or all the three major credit reporting agencies: Equifax, TransUnion, or Experian. These three agencies use outdated software based on 1980s and 1990s architecture. Thus, it’s all too common for people with the same name to have their files intermingled, causing all types of inaccuracies and problems. It is usually very difficult to get the credit agency to fix the mistake. The agency will try and falsely deflect the blame from themselves by claiming someone is trying to steal your identity — until we bring a lawsuit against them and win a judgment and damages for our client.
- Discrepancies with a consumer debt. Often, a consumer will have paid a debt or paid it down, but it is still showing on their record as unpaid or showing an inaccurate amount owed. If the lender won’t correct the amount owed, we will file a lawsuit against unfair credit reporting, forcing them to fix the error.
Indiana Debt Laws
In Indiana, creditors have six years to get a judgment on you for nonpayment on a loan. Once they have a judgment, they have 20 years to collect. Don’t despair. We can often negotiate with the collectors, banks, and lenders to find a payment plan that works for you.
- Private student loan defense
- Defense of auto repossession lawsuits
Other Legal Services
Count on our law office to help with many of your legal concerns.
- Dealership Legal Defense
- Commercial Law
- Elder Financial Abuse Issues
- Solar Panel Litigation
Why Choose Us
The only lawyer in Indiana to handle solar panel litigation for Pink Energy and other companies.
Extensive work with consumers mired in consumer debt.
We sue debt collectors who use illegal, harassing tactics.
In-depth understanding of the numerous consumer protection laws and acts.
See our about us page for more information.
Professional Consumer Debt Attorneys
From debt collection harassment to credit rating problems, the consumer debt lawyers of Hofer Hagan are here to help you. Contact us at (317) 349-0887 or request a consultation now. We serve clients in the state of Indiana including Fishers, Carmel, Lawrence, and Greenwood.
