Selbach Law Offices

read moreTo make it possible for people to enforce their rights, federal law requires the debt collectors to pay your attorneys' fees.

read moreThe Federal Trade Commission says that it receives more complaints about the debt collection industry than any other industry, and the number of complaints rises every year. There are strict laws that regulate debt collection, so why so many complaints? Without question, debt collectors know that consumers do not know what the rules are. For example, the FTC reports that calling consumers repeatedly and continuously is the most frequent violation reported. Debt collectors know it's illegal to continuously call you.

read moreThe very moment that your bankruptcy case is filed, you are protected by a federal court injunction known as the "automatic stay." You don't have to ask the Court for it. It happens "automatically." It prohibits creditors from doing virtually anything to collect their debts. When you receive your bankruptcy discharge, you receive a permanent injunction known as a "discharge injunction." The idea is to provide you with a fresh start by removing creditor pressure immediately and permanently. Based on over 32 years of experience, we can tell you that not all creditors in all cases obey the law.

read moreIt's illegal for a creditor or debt collector to place calls or text messages to your cell phone using an automated dialing system or prerecorded voices without your express consent. If creditors or debt collectors are calling or texting your cell phone using an automated dialing systems or prerecorded voices without your express consent, they are breaking the law. The Telephone Consumer Protection Act provides that you are entitled to $500 per phone call or text. If the Court finds that the violation is willful it can award $1,500 per call or text.