When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Baxter Bailey and Associates


1630 Goodman Rd E Ste 3
Southaven, MS 38671-9556

Contact Them:

Phone: (662) 655-4848
Fax: (662) 404-7038

premium wordpress themes

Fact: Pursuant to the Fair Debt Collection Practices Act, communications from collection agencies must contain this Mini Miranda warning: “This is an attempt to collect a debt.”

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Eileen P. on June 17, 2015 at 11:52 pm

      Baxter Bailey and Associates offered an altered invoice for validation. I want to sue Baxter Bailey and Associates.

    2. poor credit payday loans online on April 15, 2021 at 7:05 am

      Hi, after readіng this awеsome piece of writing i am also
      happy to share my experience here with friends.

      my weeb blog; poor credit payday loans online

    3. Tinder dating site on May 6, 2021 at 6:59 am

      how to use tinder , Tinder dating site online

    4. erfahrungsberichte lovoo on May 17, 2021 at 12:20 pm

      dating portal lovoo tinder oder lovoo

    5. online dating in india free site
      free deaf dating

    6. Dating online on June 16, 2021 at 10:48 am

      Keep up the good job and delivering in the group!

    7. teenage online dating on June 16, 2021 at 1:02 pm

      thank a lot for your site it aids a whole lot.

    8. lesbian dating site on June 21, 2021 at 12:59 pm

      Wow cuz this is great work! Congrats and keep it up.

    9. dating someone with adhd on June 21, 2021 at 3:02 pm

      Awesome Website, Preserve the useful work. With thanks.

    10. Dating site on June 21, 2021 at 5:19 pm

      You’ve amazing information in this article.

    11. Keto diet on June 24, 2021 at 2:46 pm

      Thanks a bunch! This is definitely an good web page!

    12. keto diet food list pdf on June 25, 2021 at 2:04 am

      Simply just wished to tell you I’m just glad I stumbled in your webpage!

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.