Consumer Rights Law

The Robinson Law Firm PLLC provide representation to consumers in state of New Mexico regarding Civil lawsuits from Creditors and Civil lawsuits from bad debt buyers. We provide defense for consumers in debt collection lawsuits. If a consumer is being contacted by a debt collector or is being sued in debt collection lawsuit, the Fair Debt Collection Practices Act (FDCPA) provides a consumer with many safe guards.

The FDCPA was enacted in response to eliminate abusive practices in the collection of consumer debts. The FDCPA provides both broad and specific protections for consumers against debt collectors. Debt collectors are prohibited from doing anything unfair, deceptive, or abusive in their debt collection attempts. The FDCPA reflects this, as it contains a number of general provisions, such as:

• Harassment or abuse – prohibits any conduct that has the natural consequence of harassing, oppressing, or abusing any person in connection with the collection of a debt
• False or misleading representations – prohibits any false, deceptive, or misleading representation in connection with collection of any debt
• Unfair practices – prohibits any unfair or unconscionable means to collect or attempt to collect a debt

Common abusive debt collection attempts include:

The Robinson Law Firm PLLC is aware that there are many of other ways debt collectors violate the FDCPA. If you think your rights have been violated, feel free to contact us.

• Excessive phone calls or calls at inconvenient times, including calling a consumer at work
• Calling a consumer’s family and friends and potentially revealing the alleged debt
• Threatening to take actions that they cannot take, or threats to sue on a time-barred debt
• Collecting on a debt that a consumer does not owe
• Collecting on a debt that has been discharged in bankruptcy
• Calling a consumer names, insulting a consumer, yelling at a consumer, or hanging up on a consumer
• Excessive phone calls using a autodialer or robo-dialer

The Robinson Law Firm PLLC is aware that there are many of other ways debt collectors violate the FDCPA. If you think your rights have been violated, feel free to contact us.