Tell us what they did
Call (718) 484-7510, or use the form below. You get a free conversation with an attorney in your language: we speak English, Russian and Spanish in-house, and we bring in a live interpreter for anything else. We will tell you which laws the collector, lender or credit bureau may have broken, which deadline runs first, what to save this week, and what to do first if you have been sued. If we are not the right firm, we will say so.
Request a case review
Everything marked required is needed so we can reach you. Everything else helps us prepare.
An FDCPA claim has one year from the violation
A claim under the Fair Debt Collection Practices Act has to be filed within one year from the date the violation occurs, and the clock does not wait until you find out (15 U.S.C. § 1692k(d); Rotkiske v. Klemm, 589 U.S. 8 (2019)). Each call and each letter has its own date, so tell us the most recent one first. The deadlines page explains the FCRA, TCPA and state clocks.
Faster than the form
If you have been served with court papers, or a collector is calling every day, do not wait for an email. Call (718) 484-7510. The line is answered around the clock.
What the conversation covers
- We will ask who is contacting you and what kind of company it is, because a collection agency, a debt buyer, a lender and a credit bureau are covered by different laws.
- We will ask what they said, when, and how often, and what the letters say, because each call and letter can be its own violation with its own date.
- We will ask whether the debt is yours, whether it was paid, and whether you disputed it, in writing or with a credit bureau.
- We will ask whether you have been sued and when you were served, and tell you what the answer deadline means for you.
- We will tell you which laws the facts may support and which deadline runs first, including the ones the violation checker cannot see.
- We will tell you whether you need a lawyer at all right now, and whether that lawyer should be us.
What to have ready
- The collector's or company's name, and any phone numbers it called from.
- The letters, with their envelopes if you kept them.
- The voicemails, saved on your phone, and screenshots of your call history. The call log puts the calls in order.
- Your credit reports, and any dispute letters and the answers you got back.
- Any court papers, and the date you were served.
- The results from the violation checker, if you ran it.
What it costs
The case review is free. If we take the matter, how our fee works is confirmed in a written retainer before we begin. The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs, and the FCRA, Florida's FCCPA and New York's GBL 349 provide for fees as well. The TCPA has no fee-shifting clause. Court filing fees and case expenses are separate and are explained in the retainer.
Languages
We speak English, Russian and Spanish in-house. We arrange live interpretation for other languages. Tell us in the form which language you want the conversation to happen in.
If you have been sued
If you have been sued, tell us the date you were served; the answer deadline is short. Do not ignore the papers, and do not wait for the collector to call again. The sued by a debt collector page explains the first steps. Nothing you enter in the violation checker or the call log leaves your browser unless you paste it into this form yourself.
