The most common violations under the Fair Debt Collection Practices Act include the following:
Communications with third parties about your alleged debt;
Communicating with you after you have sent a written cease and desist letter;
Any contact with you by post card or with an envelope that identifies itself as a debt collector;
Contacting you after the creditor learns that you are represented by an attorney;
Calling you at any unusual time (before 8 am or after 9 pm) or calling you at any unusual place or at your place of employment if they know that your employer forbids such calls;
Leaving a message on an answering machine or a voice mail without disclosing that the call is from a call is from a debt collector;
Threatening to take any action that they do not intend to take, including: Garnishing your wages or taking your property when there is no judgment against you; Threatening to call your employer and disclose the alleged debt; Threatening to turn your case over to an attorney when it is highly unlikely that any attorney would sue for a balance as small as the one at issue; Criminal charges; Physical violence; or, Sending a claim to an attorney where that claim is unlikely to be pursued – such as a claim for less than $500.
Cursing, swearing or otherwise using any profane language during a telephone call;
Contacting and disclosing your debt to other people; and/or
Contacting you without disclosing their identity and purpose for their call.
Our State of the Art Computer system allows us to serve all of the Counties and Cities in the North East Michigan including: Saginaw (Saginaw, Frankenmuth, Chesaning, St. Charles, Hemlock, Shields, Freeland, Carrollton ); Bay (Bay City, Essexville, Auburn, Kawkawlin, Linwood, Pinconning, Standish); Midland (Midland, Sanford, Edenville, Wixom Lake); Gratiot (Ithaca, Alma, St. Louis, Breckenridge); . Isabella (Mount Pleasant, Shepherd, Coleman); Gladwin (Gladwin, Beaverton, Rhodes); .Clare (Clare, Farwell, Harrison); Roscommon (Roscommon, Prudenville, Houghton Lake, Higgins Lake, St. Helen); Crawford (Grayling); Otsego (Gaylord); Cheboygan (Cheybogan); Presque Isle (Rogers City); Montmorency (Atlanta); Alpena (Alpena); Oscoda (Mio); Ogemaw (West Branch, Skidway Lake, Prescott); Alcona (Alcona, Harrisville); Iosco (Oscoda, Au Sable, East Tawas, Tawas, Whittemore, Alabaster); Arenac (Au Gres, Standish); Tuscola (Caro, Reese, Richville, Mayville, Millington, Akron, Fairgrove, Cass City); Huron (Bad Axe, Sebawing, Bay Port, Pigeon, Caseville, Pinnebog, Port Austin, Harbor Beach)