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

Get a Free Case Review

JL Walston and Associates


326 S Main St
Emporia, VA 23847-2028

Contact Them:

Phone: (434) 634-5104
Fax: (434) 634-2302

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency or a collection agency’s employees to state that they are a law firm or an attorney if they are not.

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. Bitcoin Loophole Review on September 22, 2020 at 12:43 pm

      … [Trackback]

      […] Find More here to that Topic: […]

    2. The Natural Penguin on September 22, 2020 at 3:26 pm

      … [Trackback]

      […] There you can find 5436 additional Info on that Topic: […]

    3. check out this site on September 24, 2020 at 11:31 am

      … [Trackback]

      […] Here you can find 25028 more Info on that Topic: […]

    4. retirar bitcoin en chile on September 30, 2020 at 1:57 am

      … [Trackback]

      […] Read More on that Topic: […]

    5. Keltec Firearms for Sale on October 14, 2020 at 8:13 am

      … [Trackback]

      […] Here you can find 19328 additional Info to that Topic: […]

    6. 안전공원 on October 17, 2020 at 11:31 pm

      … [Trackback]

      […] Here you can find 88262 more Information on that Topic: […]

    7. Stiiizy on November 9, 2020 at 7:46 am

      … [Trackback]

      […] Information to that Topic: […]

    8. mơ thấy chùa on November 23, 2020 at 8:46 pm

      … [Trackback]

      […] Find More to that Topic: […]

    9. Quality formula on November 24, 2020 at 4:02 pm

      … [Trackback]

      […] Read More on to that Topic: […]

    10. amatuer sex games captions on December 7, 2021 at 9:26 am

      free animated sex games

    11. online casino spain on December 10, 2021 at 6:01 pm

      gta online casino heist payout

    12. online crypto casino on December 12, 2021 at 2:54 pm

      pa online casino list

    13. online casino pa on December 12, 2021 at 7:34 pm

      new online casino no deposit

    14. zone online casino msn on December 13, 2021 at 7:11 am

      silver oak online casino

    15. mgm online casino bonus code on December 13, 2021 at 10:52 am

      free online casino bonus codes

    16. betmgm online casino on December 13, 2021 at 5:48 pm

      online casino testen

    17. keto sweetener on December 14, 2021 at 10:15 am

      keto crockpot recipes

    18. what is keto on December 14, 2021 at 11:22 am

      keto test strips

    19. mushrooms keto on December 15, 2021 at 8:35 am

      keto friendly fast food

    20. what can you eat on the keto diet on December 15, 2021 at 11:32 am

      keto pancake syrup

    21. help write essay on December 15, 2021 at 5:09 pm

      writing a good college essay

    22. writing essay services on December 16, 2021 at 12:32 am

      what to write college essay about

    23. write an argument essay on December 16, 2021 at 2:37 pm

      where can i buy an essay

    24. gay dating on December 17, 2021 at 10:56 am

      gay dating site minneapolis

    25. creative thinking vs critical thinking on December 19, 2021 at 12:13 pm

      critical thinking training

    26. analytical critical thinking on December 19, 2021 at 2:07 pm

      critical thinking ted talk

    27. critical thinking apps on December 19, 2021 at 3:43 pm

      three stages of critical thinking

    28. applications essay on December 19, 2021 at 5:17 pm

      death penalty essay

    29. typing essay on December 19, 2021 at 11:43 pm

      how to write conclusion of essay

    30. nhs essay examples on December 20, 2021 at 2:29 am

      mexican essay

    31. how many sentences are in a essay on December 20, 2021 at 4:18 am

      how to write a college application essay

    32. what colleges require sat essay on December 20, 2021 at 9:43 am

      introduce yourself essay

    33. 2heraldry on December 31, 2021 at 6:01 am


    34. the best free gay hookup and dating sites on January 2, 2022 at 11:51 am

      steve cardenas dating gay

    35. chat ave gay chat on January 14, 2022 at 7:53 am

      aol chat room gay

    36. list of gay dating sites on January 14, 2022 at 8:18 am

      the best gay dating sites

    37. gay phone chat line phone numbers on January 14, 2022 at 1:08 pm

      gay pnp free chat denver

    38. gay chat northwest in on January 14, 2022 at 4:30 pm

      dos chicos se conocieron en un chat gay

    39. gay italian men dating site on January 15, 2022 at 4:16 pm

      dating dominant gay men

    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.