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The Law Offices of Joseph K. Jones, LLC, advocates on behalf of consumer who have been wronged by creditors, collection agencies, collection attorneys, banks, finance companies, landlords, credit reporting agencies, and telemarketers.
Consumer, borrowers and debtors are invited to fax collection letters and loan documents to our office at 866-233-5616 for an evaluation, or to contact the firm to schedule a consultation regarding consumer rights.
Unfair Collection Practices
Personal, family, and household debts are covered under the Fair Debt Collection Practices Act. This act was designed to protect consumers from undesirable actions on the part of debt collectors. If you believe your rights have been violated by the manner in which a debt collector has contacted you, contact an experienced debtors' rights attorney for a case evaluation.
Are You Receiving Collection Letters or Being Sued by a Debt Buyer?
Debt buying is a fast-growing business in the U.S. Just because a debt buyer claims they are owed money from you in a letter or even in court does not mean they are entitled to anything. Many of the debts they purchase are undocumented, beyond the statute of limitations, or not legally invalid.
Unwanted Telemarketing Calls - Text Messages - Emails
The Telephone Consumer Protection Act (TCPA) of 1991 and other related laws regulate unwanted telemarketing calls. Specifically, the TCPA and other regulations make it illegal for advertisers to make calls using automatic telephone dialing systems or artificial or prerecorded voice to cell phones or to residential phone lines without consent of the called parties. It also spells out regulations for transmittal of faxes.
Junk Faxes
The issue of unsolicited advertisements sent by fax (“junk fax”) was addressed by Congress in 1991. Under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. 227, it is illegal for companies to send you junk faxes. And, what’s more, the law entitles you to sue the sender in state court for a minimum of $500 per page. The law also allows the judge to triple the damage award to $1,500 per page under certain circumstances, and those circumstances are fairly easy to show.
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