If you are dealing with the stress and frustration of being harassed by debt collectors in Nevada, you are not alone. The Fair Debt Collection Practices Act (FDCPA) was put in place to protect consumers from abusive and unfair debt collection practices. Unfortunately, some debt collectors continue to cross the line and violate your rights. If debt collectors are harassing you, be sure to seek the assistance of a knowledgeable Nevada FDCPA lawyer. At Kazerouni Law Group, we understand the emotional and sometimes financial toll these situations can have on individuals. Contact us today to protect your rights and find relief from debt collection harassment.
Why Choose Our Firm
Proven Track Record
When it comes to consumer protection and FDCPA cases, we have a proven track record of success. Our firm has secured over $1 billion in compensation for our clients. We have the skills and experience to hold debt collectors accountable for their illegal and abusive practices.
Personalized Legal Representation
At Kazerouni Law Group, we believe in establishing a direct attorney-client relationship. We prioritize trust, open communication, and tailored legal strategies. We work closely with our clients to understand their unique needs and concerns and provide personalized legal representation every step of the way.
Dignity, Respect, and Individualized Attention
We understand that dealing with debt collector harassment can be challenging and emotional. That’s why we prioritize treating our clients with compassion and professionalism. We go the extra mile to address each client’s unique needs and concerns, ensuring they feel valued and supported throughout the legal process.
Free Case Evaluations
We offer free, no-obligation case evaluations to individuals facing debt collection harassment. During the consultation, we will review your case, provide legal advice, and help you understand your rights under the FDCPA. This empowers you to make informed decisions about how to proceed and take action against abusive debt collectors.
Financial Accessibility
At our firm, we believe that financial constraints should not limit access to justice. That’s why we operate on a no-win, no-fee basis. With our contingency fees, you don’t have to worry about upfront legal fees or financial risk. We only get paid if we win your case, ensuring that everyone has the opportunity to seek justice and put an end to debt collection harassment.
Overview of the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law designed to protect consumers from abusive, deceptive, and unfair debt collection practices. Its primary purpose is to provide guidelines for how debt collectors can contact individuals and handle debt collection activities.
The FDCPA prohibits debt collectors from engaging in activities such as harassment, misrepresentation, and unfair practices. It grants consumers certain rights and provides a legal framework for holding debt collectors accountable for their actions.
Nevada’s Debt Collection Protections
In addition to the federal protections provided by the FDCPA, Nevada has its laws in place to safeguard consumers from unfair and abusive debt collection practices. These laws impose additional restrictions on debt collectors and provide further protections for individuals facing debt collection harassment.
Nevada statutes address practices such as contacting individuals at work, contacting individuals during restricted hours, and engaging in unfair or deceptive practices. These laws work in conjunction with the FDCPA to provide comprehensive protection for consumers in Nevada.
Key Consumer Protections
Under the FDCPA and Nevada state laws, consumers have several key protections against debt collection harassment:
- Harassment and Abuse: Debt collectors are prohibited from engaging in excessive calls, using threats or profane language, or otherwise harassing and abusing consumers.
- False or Misleading Statements: Debt collectors cannot make false statements regarding the amount of debt owed, misrepresent themselves as attorneys, or make false legal threats.
- Improper Communication: Debt collectors are restricted from contacting individuals at work or during certain hours without their prior consent.
- Failure to Validate Debt: Consumers have the right to request written validation of the debt, and debt collectors must provide it within a certain timeframe. Failure to validate the debt can result in consequences for the debt collector.
- Unauthorized Charges: Debt collectors cannot add unauthorized fees or interest to the debt and must accurately represent the amount owed.
Common FDCPA Violations in Nevada
While debt collectors are expected to follow the guidelines laid out by the FDCPA and Nevada state laws, some continue to engage in illegal and abusive practices. Here are some common FDCPA violations to be aware of:
Harassment and Abuse
Debt collectors may engage in harassment and abuse by repeatedly calling individuals, using threatening or profane language, or making false statements to intimidate consumers.
False or Misleading Statements
Some debt collectors may try to mislead consumers by falsely representing the amount of debt owed, misrepresenting themselves as attorneys, or making false legal threats.
Improper Communication
Debt collectors may violate the FDCPA by contacting individuals at their workplace without their prior consent or by calling during restricted hours.
Failure to Validate Debt
Under the FDCPA, consumers have the right to request written validation of the debt within a specific timeframe. If a debt collector fails to provide this validation, they are in violation of the FDCPA.
Unauthorized Charges
Debt collectors are prohibited from adding unauthorized fees or interest to the debt. They must accurately represent the amount owed and not attempt to inflate the debt through unauthorized charges.
How a Nevada FDCPA Lawyer from Kazerouni Law Group Can Help
If you are facing debt collection harassment in Nevada, hiring a Nevada FDCPA lawyer from our firm can provide you with the skills and support you need. Here are some ways our lawyers can help:
Legal Experience
Our lawyers deeply understand the FDCPA and state-specific laws governing debt collection practices. They can identify violations, develop strategies to stop harassment, and hold debt collectors accountable.
Evidence Collection
Building a strong case requires gathering evidence of debt collection harassment. Our lawyers can assist in collecting relevant evidence, such as call logs, correspondence, and any other documentation that supports your claim.
Stopping Harassment
Once you hire our Nevada FDCPA attorneys, they can handle direct communication with debt collectors on your behalf. This puts an immediate stop to the harassment and ensures that all further communication occurs through your attorney.
Filing Complaints and Lawsuits
If necessary, our lawyers can assist in filing complaints with regulatory agencies such as the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), or the Nevada Attorney General’s Office. They can also guide you through the process of pursuing legal action against debt collectors through lawsuits.
Seeking Compensation
If you have experienced emotional distress or other damages due to debt collection harassment, our lawyers can help you seek compensation under the FDCPA. They will fight for your rights and ensure you receive all eligible damages.
Steps to Take If You Experience Debt Collector Harassment
If you are experiencing debt collector harassment, there are steps you can take to protect yourself and build a strong case. Here’s what you should do:
Document Everything
Keep a record of all communication with debt collectors. Log calls, save correspondence, and record any relevant communications (if legally permissible). This documentation will serve as evidence of debt collection harassment.
Request Debt Validation
Request in writing that the debt collector validate the debt. This validation should include information about the original creditor, the amount owed, and other relevant details. Send the request via certified mail to ensure proof of delivery.
Notify the Debt Collector
Notify the debt collector in writing that you want them to cease all communication with you. This request should also be sent via certified mail with a return receipt requested. The debt collector is legally required to comply with this request, except for certain limited circumstances.
File Complaints
If you believe the debt collector’s actions violate the FDCPA, file complaints with the CFPB, FTC, or Nevada Attorney General’s Office. These agencies have the authority to investigate and take action against debt collectors who engage in illegal practices.
Consult With a Nevada FDCPA Lawyer from Our Firm
To build a strong case and protect your rights, consult with a seasoned Nevada FDCPA lawyer. They will guide you through the legal process, provide personalized advice, and uphold your rights.
The Benefits of Hiring a Nevada FDCPA Lawyer
Hiring a Nevada FDCPA lawyer from Kazerouni Law can provide you with numerous benefits, including:
Immediate Relief
By hiring a lawyer, you can put an immediate stop to direct harassment from debt collectors. All further communication will go through your attorney, alleviating the stress and frustration associated with debt collection harassment.
Knowledge in Applying FDCPA and State-Specific Laws
Our lawyers have extensive knowledge of the FDCPA and the specific laws governing debt collection practices in Nevada. This knowledge allows them to identify and address violations unique to your situation.
Maximizing Compensation
Our lawyers will work diligently to ensure you receive all eligible compensation under the FDCPA. Whether it’s damages for emotional distress or other losses, they will fight for your rights and seek the maximum compensation available.
Navigating Complex Lawsuits
If legal action becomes necessary, our attorneys will guide you through the process and navigate the details of FDCPA lawsuits. They will advocate for your best interests and pursue fair outcomes.
Frequently Asked Questions
How Do I Know If I Have an FDCPA Case?
If you are experiencing debt collection harassment, it’s in your best interest to consult with a Nevada FDCPA lawyer from our firm. We can evaluate your case and determine if the debt collectors have violated the FDCPA. Signs of FDCPA violations include excessive calls, threats, profane language, false statements, and other abusive practices. Additionally, if debt collectors refuse to validate your debt or attempt to collect amounts not legally owed, these are clear signs of FDCPA violations. A lawyer from our firm can identify and address these unlawful actions.
How Long Do I Have to File a Lawsuit?
The FDCPA has a statute of limitations, which is typically one year from the date of the violation. Meet with our Nevada FDCPA attorneys promptly to ensure you meet all the necessary deadlines. Acting quickly not only preserves your rights but also allows your lawyer to gather valuable evidence and build a stronger case. Procrastination can lead to missed opportunities for justice, so don’t delay seeking legal advice.
Can I Sue If the Debt is Valid?
Yes, FDCPA violations are actionable regardless of the validity of the debt. Even if you owe the debt, debt collectors must follow the guidelines and restrictions outlined in the FDCPA. The law is designed to ensure fair treatment for consumers, regardless of their financial circumstances. Harassment, deception, and unfair practices are prohibited, and debt collectors can be held accountable even if their underlying claim is legitimate.
What Should I Look for in an FDCPA Lawyer?
When selecting an FDCPA attorney, choosing someone with experience handling FDCPA cases and a track record of success is imperative. Look for a Nevada FDCPA attorney who focuses on consumer protection and has a client-centered approach. Personalized attention and a commitment to fighting for your rights are key qualities to consider. Additionally, seek reviews and testimonials from past clients to gauge the lawyer’s reputation and ability to deliver results. A Nevada FDCPA lawyer who understands local laws and has a proven strategy for addressing debt collector misconduct will be your strongest advocate. You will find such an attorney at Kazerouni Law Group.
Contact a Seasoned Nevada FDCPA Attorney from Our Firm Today
Dealing with debt collection harassment can take a toll on your emotional well-being and financial stability. At Kazerouni Law Group, we are dedicated to protecting your rights and stopping these illegal practices. Contact us at (800) 778-2065 for a free case evaluation and personalized legal guidance. Let us provide you with relief from debt collection harassment so you can get back on track toward a more secure financial future.
Kazerouni Law Group, APC
Our Las Vegas office is conveniently located south of Clark County Road 215 and north of West Warm Springs Road at:
6940 S Cimarron Road Suite 210
Las Vegas, NV 89113