CONSUMER RESOURCES

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

Get a Free Case Review

Stephens and Michaels Associates

Address:

7 Stiles Rd PO Box 109
Salem, NH 03079-0109

Contact Them:

Phone: (603) 824-9075
Fax: (603) 824-9175

wordpress-hosting.me

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.

  • 29 Comments

    1. Ron G. on October 15, 2015 at 10:46 pm

      Stephens and Michaels Associates was collecting for an old Verizon Wireless account of mine. I settled with Stephens and Michaels Associates for less than the full bill. Stephens and Michaels Associates won’t update my credit report to show the settlement.



    2. essay graphic organizer on November 13, 2021 at 11:08 am

      Sustain the remarkable job !! Lovin’ it! http://multiessay.com/



    3. online casino software provider on November 14, 2021 at 11:22 pm

      Just had to tell you I am just happy that i stumbled on the web page. https://casinogamesmachines.com/



    4. batman sex games on November 18, 2021 at 3:08 am

      Incredibly beneficial look frontward to coming back again. https://sexygamess.com/



    5. sex games apps 2016 for iphone on November 18, 2021 at 6:36 pm

      Thanks for the purpose of giving this kind of wonderful information. https://winsexgames.com/



    6. how many eggs per day can someone eat on keto diet? on November 18, 2021 at 11:24 pm

      Love the website– very user friendly and great deals to see! https://ketogendiet.net/



    7. naruto sex games f95zone on November 19, 2021 at 12:48 am

      Great looking website. Think you did a great deal of your
      very own html coding. https://sex4games.com/



    8. old grandpas to play sex games with on November 19, 2021 at 1:05 am

      Great looking website. Think you did a bunch of your
      own coding. https://sexgamesx.net/



    9. 14 day keto diet on November 20, 2021 at 3:04 pm

      You’ve got possibly the best websites. https://ketogendiets.com/



    10. essay writing websites on December 8, 2021 at 3:59 pm

      Great looking website. Think you did a bunch of your very own html coding. http://test.com



    11. write an essay online on December 11, 2021 at 10:58 am

      Great web-site you’ve gotten here. https://anenglishessay.com/



    12. best vpn for travel on December 11, 2021 at 10:25 pm

      Thanks for the purpose of providing these well
      put together content. https://windowsvpns.com/



    13. hesi a2 critical thinking on December 13, 2021 at 1:55 am

      Great Web page, Continue the good work. Thank you! https://criticalthinkinginstitute.com/



    14. how to write a high school essay? on December 13, 2021 at 8:33 am

      You’re a very practical website; could not make it without ya! https://yoursuperessay.com/



    15. improve critical thinking skills on December 14, 2021 at 5:17 pm

      Great internet site! It looks very professional! Keep up
      the good job! https://criticalthinking2020.net/



    16. best online essay writing services on December 16, 2021 at 7:46 am

      Thanks pertaining to offering these sort of amazing subject material. https://topessayswriter.com/



    17. hide me vpn free on December 16, 2021 at 12:10 pm

      I love looking through your website. Regards! https://choosevpn.net/



    18. define critical thinking skills on December 16, 2021 at 1:40 pm

      Keep up the excellent job !! Lovin’ it! https://criticalthinkingbasics.com/



    19. writing expository essay on December 16, 2021 at 8:50 pm

      You have awesome knowlwdge here. https://howtowriteessaytips.com/



    20. buy a us vpn on December 17, 2021 at 2:46 pm

      Extremely interesting look forth to returning. https://topvpndeals.net/



    21. best vpn for windows 2022 on December 17, 2021 at 7:06 pm

      Great website! It looks really expert! Keep up the good work! https://vpn4torrents.com/



    22. best vpn for home network on December 21, 2021 at 1:58 pm

      Sustain the excellent job and delivering in the crowd! https://thebestvpnpro.com/



    23. live video streaming gay chat on December 21, 2021 at 4:19 pm

      I enjoy this website – its so usefull and helpfull. https://bjsgaychatroom.info/



    24. snap chat gay solo on December 29, 2021 at 12:42 am

      Great website! It looks very good! Sustain the great work! https://gaypridee.com/



    25. online sweepstakes casino on January 9, 2022 at 11:40 am

      Great web site! It looks really professional! Sustain the helpful job! online sweepstakes casino



    26. essayscratch.com on January 12, 2022 at 3:26 am

      following directions essay mla format essay biographical essay
      outline essayscratch.com



    27. best free gay dating sites in florida on January 13, 2022 at 9:41 pm

      gay dating for country folks russia gay dating profiles british gay men dating american gay men best free gay dating sites in florida



    28. where can a hungry gay bottom find a top dating on January 13, 2022 at 10:56 pm

      gay dating sites that work which gay dating app?

      Scruff gay dating app where can a hungry gay bottom find a top dating



    29. progressive era essay dbq on January 14, 2022 at 3:40 am

      free essay writing how to analze sat essay comparative story
      essay ex progressive era essay dbq



    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.