Understand Your Consumer Debt Repayment Rights and Obligations
Overland Park law firm aims to recover debt
At Pittenger Law Group in Overland Park, Kansas, we know that sometimes financial obligations can spiral out of control and consumers may get behind on paying their loans, credit cards and other debts that they have incurred. As a creditors’ rights law firm, we represent lenders, credit card companies and other businesses who are seeking repayment from consumers. If you are a debtor who has received a letter from us, you understand who we are and you are aware of your legal rights when it comes to consumer debt collection practices.
Who does our law firm represent?
Our law firm represents banks, medical practitioners, retailers and other creditors with whom you may have:
- Mortgage debt
- Credit card debt
- Medical bills
- Auto debt
- Student loans
- Other debts for personal, family or household purposes
We pursue recovery for our clients of past due account balances from consumers throughout the states of Kansas and Missouri. Our creditors’ rights law firm always works to recover debts in a manner that is in accordance with all applicable consumer protection laws.
We abide by consumer law and fair consumer collection practices
The Fair Debt Collection Practices Act (FDCPA) is a federal consumer protection law that prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA applies only to consumer debt and does not cover business debt.
The FDCPA states the hours and methods, including by letter, in which consumers can be contacted by debt collection agencies. It also defines what the debt collector must tell you about the debt when they contact you, which is the following:
- How much money you owe
- The name of the creditor to whom you owe the money
- What to do if you don’t think the debt is yours.
Additionally, the law says that when consumers are represented by attorneys, debt collectors who are informed of this must communicate with the attorney, so long as the attorney responds in a timely manner. Please let our firm know if you are represented by an attorney.
You can read the full text of the FDCPA here.
Contact our friendly staff to retire your outstanding consumer debt
If you have received a letter from Pittenger Law Group in Overland Park, Kansas, please contact us (or have your attorney contact us if you have retained one) at 913-951-8375 or online. Our firm’s friendly staff will work with you in a respectful and courteous way to retire your outstanding financial obligation on behalf of our client.