Unlawful Debt Collection

Oregon and Washington Consumer Protection Attorney

You do not have to continue to endure harassing and abusive creditors without the representation of an experienced consumer protection lawyer. At Debt Advisors, P.C., in Portland, Oregon, we represent people seeking protection under federal and state consumer protection laws. If you have been abused by a creditor, contact us for a free initial consultation about any of the following protections.

The Fair Debt Collections Act

This federal consumer protection law is your avenue to stop creditor harassment, unlawful creditor threats and unlawful debt collection practices. This federal law prohibits certain debt collection methods, promotes fair debt collection techniques, and provides consumers with ways to ensure credit information accuracy. The Act provides a laundry list of prohibited debt collection practices. Here is a small list of some of the more important fair debt collection protections:

• Creditors may not contact consumers outside of the period between 8:00 a.m. and 9:00 p.m.
• Creditors may not continue to contact a consumer, except through litigation, after receiving express notice from the consumer.
• Creditors may not contact a consumer at work or who is known to be represented by an attorney.

Fair Credit Reporting Act

This federal consumer protection law controls how your credit is reported, distributed and used. It also provides you with remedies to dispute discrepancies on your credit report. Our firm will help you understand your rights under both federal and state consumer protection laws.

Oregon Unlawful Trade Practices Act

Oregon has all of the same protections provided under federal consumer protection laws, but does so in a broader fashion. It is important to understand that you have protections under both state and federal laws. We will pursue all available remedies to ensure your rights are protected.

If you are tired of dealing with abusive creditors, you should contact a lawyer at Debt Advisors, P.C., for a free initial consultation about fair debt collection and other consumer-related protection.