Debt collectors are regulated in how they communicate with you and there are a number of state and federal laws which promote the ethical business practices of debt collection. Debt collectors are generally limited by what time of day they can contact you, how often they can contact you, and what they can say to you. If you believe a debt collector has made misrepresentations, is attempting to collect a debt that you do not owe or that was paid off a long time ago, or that you are otherwise being treated unfairly, the debt collector may have violated your rights. We have handled hundreds of matters involving debt collectors and can educate you on what your rights are, including whether a debt collector has violated them. Contact Litman PLLC for a free consultation.

While incurring debt is a part of life, having a good credit score is essential for qualifying for the best interest rates, paying lower finance charges, having more negotiating power, and obtaining good loans. Credit reporting agencies and furnishers of information must ensure that the information they report about you is accurate. This unfortunately is not always the case and improper reporting can have significant impact on your life. Litman PLLC has handled hundreds of matters involving credit reporting issues and can educate you on what your rights are and whether they have been violated. Contact Litman PLLC today for a free consultation.

Mortgage Lending and Servicing Litigation

The biggest purchase we make and the most debt we incur in our lifetimes is often the purchase of a home. When you purchase a home, the terms of the loan and all information related to the loan should be disclosed to you so that you can make an informed decision about whether the purchase is in your best interest. We have seen multiple instances where this has not happened, which has lead to dire results for the consumer. Whether the terms of your loan are not what you thought they were, you are being charged fees for late payments, or you are having nightmare issues with the company servicing your mortgage, Litman PLLC can walk you through and help identify closing and servicing issues that can help you save your home. Contact Litman PLLC today for a free consultation.

Unfair and Deceptive Acts and Practices Litigation

All fifty states have enacted at least one statute with broad applicability to most consumer transactions, aimed at preventing consumer deception and abuse in the market place. These are commonly known as “UDAP” laws. UDAP laws broadly and generally regulate (i) the marketing goods and services; (ii) the purchases of goods, services, and extensions of credit, and (iii) warranty issues related to those goods or services. Litman PLLC can help you identify whether you have been the victim of fraud or deceit because a seller has violated state UDAP laws. Contact Litman PLLC for a free consultation.