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

Get a Free Case Review



3 Easton Oval Ste 210
Columbus, OH 43219-6011

Contact Them:

Phone: (614) 944-5788
Fax: (614) 750-4336

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to use postcards in their debt collection efforts.

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. Kenny B. on August 18, 2015 at 9:38 pm

      Payliance is also known as Security Check. I went bankrupt on the debt Payliance is trying to collect. Payliance was advised of this by my attorney. I cannot believe Payliance is still trying to collect.

    2. on April 15, 2021 at 8:52 am

      Ιtts like you read my mind! You seem to know a
      lot about thiѕ, like you wrote the book in it or sоmething.

      I think that you could do with a few pics to drive the message home a bit,
      but other than that, tjis is excellent bloց. A great read.

      I will definitely be back.

      My homeрage sazmе day payday loans (

    3. Tinder dating site on May 6, 2021 at 7:47 am

      tinder online , Tinder dating site app

    4. lovoo matches sehen on May 17, 2021 at 10:51 am

      lovoo nude gute anmachsprüche lovoo

    5. sex dating sites free communication on May 20, 2021 at 11:37 am

      tall dating site free
      free emailing dating sites

    6. 100 percent free adult dating on May 20, 2021 at 11:41 am

      adult dating ireland
      genuine adult dating sites

    7. Many thanks, this website is extremely useful.

    8. on June 17, 2021 at 9:27 pm

      Many thanks, this site is really useful.

    9. latin dating on June 21, 2021 at 3:27 pm

      Thanks meant for providing these great content material.

    10. affair dating on June 21, 2021 at 11:04 pm

      Amazing this is a helpful online site.

    11. Keto diet on June 24, 2021 at 6:33 pm

      I love the details on your web sites. Thanks a bunch!

    12. 1500 calorie keto diet on June 24, 2021 at 7:09 pm

      Very good website you’ve got here.

    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.