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If you have reached this page, you are probably being harassed by abusive debt collectors who may be violating the law, and violating your rights. Here at The Goldson Law Office, we aggressively go after these “debt collectors” and original creditors (like banks, utility companies, and mortgage servicers) on behalf of our clients. We recover money for our clients who have been harassed or abused by debt collectors, and in many cases, we get negative trade marks removed from your credit reports.
DO NOT PAY ATTORNEY’S FEES We work debt collector harassment cases on contingency, meaning we do not get paid unless you get paid.
GET MONEY FROM DEBT COLLECTORS
At The Goldson Law Office, we go after Debt Collectors using the FDCPA, or Fair Debt Collection Practices Act. This federal law makes it illegal for debt collectors to harass you, and it allows you to sue debt collectors for money.
You have a case if your debt is personal debt and you have been harassed by a debt collector (or original creditor in Maryland and some other states). Business and commercial debts do not qualify for you to recover under the FDCPA.
All it takes is one violation, or one act of harassment, and you have a winning case. When you are being harassed, take notes. Note the time, phone number, and any other details that you think may be relevant. You want to preserve as much evidence as possible. Do not wait to contact The Goldson Law Office, the statute of limitations for an FDCPA violation is only 365 days (1 year).
A debt collector is any person (or business), other than the creditor, who regularly collects debts owed to others – this includes attorneys and law firms. In many cases, banks and mortgage servicing companies who buy your debt from your original creditor will qualify as a debt collector.
In Maryland, and many other states, a business does not have to be a debt collector to violate Maryland’s Fair Debt Collection Act and Maryland Unfair or Deceptive Trade Practices Act.
The bank or credit card company is not a debt collector, so these laws do not apply to them. There is an exception for banks, creditors, and loan servicing companies that buy your debt from your original creditor. If these companies normally buy debt and attempt to collect on them, they may be deemed debt collectors, even though they are also banks (or other businesses).
If you have a legitimate claim against a debt collector, you will receive actual damages, statutory damages of no more than $1,000, and attorney’s fees.
Actual damages include compensation for loss of wages, emotional distress, harm to your credit report, and other value that the abusive debt collectors have cost you.
Statutory damages is a legal term for money you will receive just because the debt collector violated your rights. You will receive statutory damages in any successful case. Statutory damages for FDCPA violations cannot be more than $1,000 (normally $1,000 is awarded).
Attorney’s fees are awarded whenever you win. This means that you will not have to pay The Goldson Law Office up front for the normal debt collector harassment case.
The Goldson Law Office
1734 Elton Rd. Suite 210
Silver Spring, MD 20903