CONSUMER RESOURCES

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

Get a Free Case Review

Goggins and Lavintman PA

Address:

1295 Northland Drive Suite 270
Mendota Heights, Minnesota 55120

Contact Them:

(651) 209-1825

webdesign muenchen

Fast 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.

  • 3 Comments

    1. Danny C. on April 16, 2015 at 11:26 pm

      Goggins and Lavintman calls from 6512091825. Goggins and Lavintman are junk-debt buyers. Send Goggins and Lavintman a request for validation letter in the mail. Send the letter certified to Goggins and Lavintman so someone on their end has to sign for it and you get delivery confirmation. Goggins and Lavintman will not be able to validate.

    2. [anonymous] on June 2, 2015 at 9:17 pm

      Heather Rogers at Goggins and Lavintman PA harasses me over a dentist bill. I tried to set up a payment arrangement and Heather Rogers at Goggins and Lavintman PA started screaming at me. I asked to speak with a supervisor and Heather Rogers at Goggins and Lavintman PA said that if she passed me to someone else she would have to show my file as a “refusal to pay.” Heather Rogers at Goggins and Lavintman PA calls me at work too.

    3. Lena L. on August 22, 2015 at 10:33 pm

      Goggins and Lavintman PA are unprofessional and harassing. Goggins and Lavintman PA will not validate debts upon request but continue to try to collect.

    Share Your Experience





    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.