Criminal Defense Lawyers

Sessoms and Rogers Debt Collector Relief

Sessoms and Rogers Debt Collector Relief: A Comprehensive Guide

Understanding Debt Collection Laws and Your Rights

Dealing with aggressive debt collectors can be an incredibly stressful experience; trust me, I’ve seen it all too often. These companies will hound you relentlessly, calling at all hours and using shady tactics to try and get you to pay up. But here’s the thing – you have rights under federal law that they have to respect.The Fair Debt Collection Practices Act (FDCPA) lays out strict rules about what debt collectors can and can’t do. For example, they can’t harass you with repeated calls or threaten you with arrest or violence. They also have to be upfront about who they are and what debt they’re trying to collect.Unfortunately, a lot of these companies think they can just ignore the FDCPA and do whatever they want. That’s where lawyers like us at the Spodek Law Group come in. We specialize in taking on abusive debt collectors and making them pay for violating consumer protection laws.

Common Debt Collection Violations

Over the years, I’ve seen debt collectors pull all kinds of shady stunts. Here are some of the most common FDCPA violations to watch out for:

• Calling you before 8am or after 9pm
• Contacting you at work after you’ve told them not to
• Using profane or abusive language
• Threatening legal action they can’t actually take
• Failing to identify themselves as debt collectors
• Trying to collect debts you don’t actually owe

Basically, if a debt collector is doing anything to harass, mislead or intimidate you, that’s illegal under the FDCPA. And you could be entitled to serious compensation – we’re talking up to $1,000 in statutory damages per violation, plus actual damages like emotional distress and lost wages.

How We Can Help

Look, taking on a debt collection company by yourself is an uphill battle. These guys have teams of lawyers working around the clock to find loopholes and wiggle out of accountability. That’s why you need an experienced consumer protection attorney in your corner.At the Spodek Law Group, we’ve been fighting for consumers’ rights for decades. We know all the tricks debt collectors use, and we’re not afraid to play hardball to get justice for our clients. Whether it’s negotiating a settlement, filing a lawsuit, or taking the case all the way to trial, we’ll explore every possible avenue to hold abusive debt collectors accountable.And the best part? We work on a contingency basis, which means you don’t pay us a dime unless we win your case and recover compensation. It’s a zero-risk proposition for you.

Looking Ahead: The Future of Debt Collection <h2>

As much as I’d love to see unscrupulous debt collectors get put out of business for good, the reality is this industry will always find new ways to skirt the law and take advantage of consumers. Technology in particular is a double-edged sword – while it allows for more efficient debt collection, it also opens the door for new forms of harassment and privacy violations.For example, we’re already seeing debt collectors use social media data and web-scraping tools to track down debtors and their family members. There have even been cases of collectors hacking into people’s email and social media accounts to pressure them into paying up.So what can be done? Well, for starters, the FDCPA needs to be updated and expanded to cover new technologies and collection methods. There also needs to be stronger enforcement and harsher penalties for repeat offenders. Groups like the National Consumer Law Center are doing great work advocating for these kinds of reforms.But at the end of the day, having a knowledgeable consumer lawyer in your corner will always be crucial for pushing back against abusive debt collection practices – no matter how they evolve in the future.

Real Client Stories

“The Spodek Law Group was a lifesaver when I was being hounded by a shady debt collector. They not only got the harassment to stop, but won me a $10,000 settlement for the violations I endured. I’m so grateful.” – Sarah M., Queens, NY“After my identity was stolen, I was getting bombarded with calls from debt collectors about debts I never even knew about. The Spodek team took over and got everything sorted out. They’re true professionals.” – Jamal R., Los Angeles, CA

Taking the Next Steps

If you’re being harassed or misled by a debt collector, don’t wait – your rights are being violated. Reach out to us at the Spodek Law Group today for a free, confidential consultation. We’ll review your situation and lay out all your legal options for fighting back.You can call us anytime at 212-210-1851 or visit our website to get started. Don’t let these bullies push you around any longer. With us in your corner, you can finally get the justice and peace of mind you deserve.And hey, even if debt collection isn’t your issue, we handle all kinds of federal cases – from white collar crime to cybersecurity breaches. So don’t hesitate to give us a shout if you need legal help.

Christine Twomey

2024-03-21

Just had my Divorce case settled 2 months ago after having a horrible experience with another firm. I couldn’t be happier with Claire Banks and Elizabeth Garvey with their outstanding professionalism in doing so with Spodek Law Group. Any time I needed questions answered they were always prompt in doing so with all my uncertainties after 30 yrs of marriage.I feel from the bottom of my heart you will NOT be disappointed with either one. Thanks a million.

Brendan huisman

2024-03-18

Alex Zhik contacted me almost immediately when I reached out to Spodek for a consultation and was able to effectively communicate the path forward/consequences of my legal issue. I immediately agreed to hire Alex for his services and did not regret my choice. He was able to cover my case in court (with 1 day notice) and not only was he able to push my case down, he carefully negotiated a dismissal of the charge altogether. I highly recommend Spodek, and more specifically, Alex Zhik for all of your legal issues. Thanks guys!

Guerline Menard

2024-03-18

Thanks again Spodek law firm, particularly Esq Claire Banks who stood right there with us up to the finish line. Attached photos taken right outside of the court building and the smile on our faces represented victory, a breath of fresh air and satisfaction. We are very happy that this is over and we can move on with our lives. Thanks Spodek law 🙏🏼🙏🏼🙏🏼🙏🏼🙌🏼❤️

Keisha Parris

2024-03-15

Believe every single review here about Alex Z!! From our initial consultation, it was evident that Alex possessed a profound understanding of criminal law and a fierce dedication to his clients rights. Throughout the entirety of my case, Alex exhibited unparalleled professionalism and unwavering commitment. What sets Alex apart is not only his legal expertise but also his genuine compassion for his clients. He took the time to thoroughly explain my case, alleviating any concerns I had along the way. His exact words were “I’m not worried about it”. His unwavering support and guidance were invaluable throughout the entire process. I am immensely grateful for Alex's exceptional legal representation and wholeheartedly recommend his services to anyone in need of a skilled criminal defense attorney. Alex Z is not just a lawyer; he is a beacon of hope for those navigating the complexities of the legal system. If you find yourself in need of a dedicated and competent legal advocate, look no further than Alex Z.

Taïko Beauty

2024-03-15

I don’t know where to start, I can write a novel about this firm, but one thing I will say is that having my best interest was their main priority since the beginning of my case which was back in Winter 2019. Miss Claire Banks, one of the best Attorneys in the firm represented me very well and was very professional, respectful, and truthful. Not once did she leave me in the dark, in fact she presented all options and routes that could possibly be considered for my case and she reinsured me that no matter what I decided to do, her and the team will have my back and that’s exactly what happened. Not only will I be liberated from this case, also, I will enjoy my freedom and continue to be a mother to my first born son and will have no restrictions with accomplishing my goals in life. Now that’s what I call victory!! I thank the Lord, My mother, Claire, and the Spodek team for standing by me and fighting with me. Words can’t describe how grateful I am to have the opportunity to work with this team. I’m very satisfied, very pleased with their performance, their hard work, and their diligence. Thank you team!

Anthony Williams

2024-03-12

Hey, how you guys doing? Good afternoon my name is Anthony Williams I just want to give a great shout out to the team of. Spodek law group. It is such a honor to use them and to use their assistance through this whole case from start to finish. They did everything that they said they was gonna do and if it ever comes down to it, if I ever have to use them again, hands-down they will be the first law office at the top of my list, thank you guys so much. It was a pleasure having you guys by my side so if you guys ever need them, do not hesitate to pick up the phone and give them a call.

Loveth Okpedo

2024-03-12

Very professional, very transparent, over all a great experience

Bee L

2024-02-28

Amazing experience with Spodek! Very professional lawyers who take your case seriously. They treated me with respect, were always available, and answered any and all questions. They were able to help me very successfully and removed a huge stress. Highly recommend.

divesh patel

2024-02-24

I can't recommend Alex Zhik and Spodek Law Firm highly enough for their exceptional legal representation and personal mentorship. From the moment I engaged their services in October 2022, Alex took the time to understand my case thoroughly and provided guidance every step of the way. Alex's dedication to my case went above and beyond my expectations. His expertise, attention to detail, and commitment to achieving the best possible outcome were evident throughout the entire process. He took the time to mentor me, ensuring I understood the legal complexities involved to make informed decisions. Alex is the kind of guy you would want to have a beer with and has made a meaningful impact on me. I also want to acknowledge Todd Spodek, the leader of the firm, who played a crucial role in my case. His leadership and support bolstered the efforts of Alex, and his involvement highlighted the firm's commitment to excellence. Thanks to Alex Zhik and Todd Spodek, I achieved the outcome I desired, and I am incredibly grateful for their professionalism, expertise, and genuine care. If you're in need of legal representation, look no further than this outstanding team.

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Google rating score: 4.9 of 5, based on 736 reviews

Frequently Asked Questions

What if I actually owe the debt?
Even if the debt is legitimate, debt collectors still have to follow the rules laid out in the FDCPA. If they violate those rules through harassment or deception, you may have grounds to take legal action.

How much does it cost to hire you?
We work on a contingency basis for FDCPA cases, which means you don’t pay us anything unless we win compensation for you. Pretty sweet deal, right?

Do you have to be a US citizen to file an FDCPA claim?
Nope, the FDCPA protects anyone being harassed by a debt collector operating in the United States, regardless of citizenship status.

What kind of evidence do I need?
Any documentation you have of the debt collector’s misconduct can help strengthen your case – things like recordings of abusive calls, screenshots of misleading texts or emails, etc. But don’t worry if you don’t have much, we’re skilled at gathering the proof we need.

How long does an FDCPA case usually take?
It really varies depending on the specifics of the case and whether the debt collector is willing to settle. Some cases can be resolved in a few months, while others may take over a year if they go to trial. We’ll make sure you know what to expect every step of the way.

Take a Stand Against Abusive Debt Collectors Today

Look, I get it – dealing with debt is stressful enough without shady collectors making your life a living hell. But you don’t have to just take their abuse lying down. Thanks to laws like the FDCPA, you have powerful rights as a consumer that these companies have to respect.Of course, enforcing those rights is easier said than done when you’re going it alone against a billion-dollar debt collection agency. That’s why having an experienced legal team like the Spodek Law Group in your corner is so crucial. We’ve been fighting for the little guy against corporate bullies for over 50 years, and we’re not about to stop now.So if you’re sick of being harassed, misled, or taken advantage of by unscrupulous debt collectors, don’t wait another day. Reach out to us and take the first step towards getting the justice you deserve. Your peace of mind is just a phone call away at 212-210-1851.And in the meantime, you can learn more about your rights and options by checking out resources like the FTC’s Debt Collection FAQs, the NCLC’s Consumer Debt Advice, and the Avvo debt collection guide. Staying informed is half the battle against these abusive companies.