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David D Dickerson and Associates PC

Address:

115 S Lynnhaven Rd Ste 100
Virginia Beach, VA 23452-7422

Contact Them:

Phone: (757) 463-4900
Fax: (757) 463-3521

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to call you collect.

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 Comment

    1. Ethel Langley on January 27, 2015 at 3:01 pm

      These people are totaling harassing me. I co signed for a family member to get an apartment in 2011. She went through a divorce and broke the lease in 2012. She is currently on disability income. This company immediately came after me for the funds. They issued a judgement against me without notifying me. I call them to see what was going on. The account rep told me the member owed them a little over $5k. I paid them $1500 right then and set up payments. While making payments they took me to court again for another judgement on what they said was a part of the original $5k. I was a product of the government shut down at the time and explained to them that I had to lower my monthly payments because I was not getting an income. I continued to pay them monthly at a lower rate. Then they seized my new bank account, took my mortgage money, and are not releasing my account even though I phoned them and had them send me the form to sign to immediately release all funds in my account to them. There was enough funds in there to cover the judgement they had. I eventually lost my home of 15 years because of this. I have kept a spreadsheet of all check numbers and money order numbers of the payments I have made to them. I have paid them all but $808.00 of the original debt amount that I owe them. Two weeks ago I received another order to show up in court because they are now trying to garnish my wages. The judgment is for another $1500.00. The court date is May. If this goes through I will lose my job because it will cause my security clearance to be nullified meaning I cannot hold my position. The family member that lived in the apartment claims she has also been making payments to them this entire time also. I cannot prove her statement. I only have my receipts. This was a broken lease from 2012. Do they really think this apartment has not been rented out since 2012 and the people are not making any money on it except what I am sending them? I am being extorted and can’t afford the help I need to make it stop.

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