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

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4135 Southstream Blvd Ste 400
Two Lakepointe Plaza
Charlotte, NC 28217-4636

Contact Them:

Phone: (704) 553-7144
Fax: (704) 553-0369

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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. Barry R. on September 28, 2015 at 10:37 pm

      PMAB LLC calls all the time even though I’ve asked them to stop. PMAB LLC isn’t even looking for me but they continue to call thinking my answer will change.

    2. CW on May 2, 2017 at 8:56 am

      My total debt was $57.26. And I was harassed from the very beginning. Even after partial payment the harassment continued. There practices could definitely be considered as crossing a line.

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