Cease and Desist

At the law office of Frederick Schulman, we will review your case at no cost to you, to determine if you have been unfairly victimized by the illegal tactics of your Creditors and Debt Collectors.

We may be able to make money for you. We are often able to reduce or eliminate your debt and negotiate with your creditors on your behalf. If we find that a Debt Collector violated any portion of the FDCPA or any other consumer laws, we will represent you on a contingency basis upon retaining our office. We do not charge unless we recover!

Do not wait until the Debt Collectors wear you out with their abusive tactics! Our firm will fight for your rights at no cost to you!

By choosing our law firm to represent you, you will have the peace of mind that your matter is handled with respect and dignity by professional attorneys who have helped thousands of consumers like you. Contact us for a free consultation.

A Cease and Desist letter won’t make your debt go away.

It may seem that sending a cease and desist letter is an easy and clever way to rid yourself of your debt collector. However, sending a cease and desist letter may not be in the best interest of the consumer.

As a consumer who owes a debt, you are entitled to the rights and protections afforded to you by the Fair Debt Collection Practices Act (FDPCA). One of the useful provisions in the FDCPA thatprovides relief from the constant nagging of harassing debt collectors is 15 U.S.C. §1692c(c), which states that if a consumer notifies a debt collector, in writing, that he or she wants the debt collector to cease communication with the consumer, the debt collector must not further communicate with the debtor. The exceptions to this provision are that a debt collector may notify the consumer that collection efforts are being terminated, and may advise the consumer of certain measures that the debt collector is taking against the consumer.

It may seem that sending a cease and desist letter is an easy and clever way to rid yourself of your debt collector. However, sending a cease and desist letter may not be in the best interest of the consumer. Although the harassing calls may stop, the debt will not go away. The debt collector may re-sell or reassign the debt. They may simply opt to sue you, which is still their legal right regardless of the cease and desist letter. It is a temporary lid stapled to the top of a ticking time bomb….

The good news is there are other options!

Once you are represented by an attorney, a debt collector is prohibited from contacting you directly. Find a competent attorney to discuss the letters and phone calls you have been gettingfrom thedebt collector. After a careful review of their behavior, your lawyer may come across violations of the FDCPA and/or other consumer protection statutes committed by your debt collector. Chances are that the more annoying, threatening and aggressive the debt collector is to you – they are more likely to violate one or more provisions of the FDCPA. A consumer is entitled to sue a debt collector for statutory damages if they did not keep to the rules of the FDCPA.

Filing a lawsuit against a debt collector allows you to fight back against them and at the same time direct all future communications from your debt collector to your attorney. No more annoying phone calls to deal with. It is like killing two birds with one stone!

Before you send a cease and desist letter – call our law firm to see if you mayhave a consumer protection case against a debt collector.