Win in court against debt collectors.
Summary: Are you being sued by a debt collector? Not sure how you're going to pay for a defense? Find out how to get free legal aid in Bullhead City, Arizona.
If you are being harassed by a debt collector, you may be looking for free legal aid in Bullhead City, Arizona to get an idea of your legal rights and what steps need to be taken to get the debt collector off your back.
Fortunately, you do not necessarily need the services of a lawyer, even the services of a noble lawyer offering free legal aid. Depending on the circumstances of your debt collection case, you may be able to respond to a debt collection lawsuit and even prevail in court, entirely on your own.
Make the right defense the right way with SoloSuit.
Arizona laws designed to protect consumers from harassing debt collectors
There are laws in place in Arizona that prohibit debt collectors from using an array of deceptive and intrusive techniques when trying to collect on a debt. For example, under Arizona law, a debt collection agency is legally required to be licensed by a state agency.
In addition, all collection agency employees, including debt collectors, are required to “deal openly, fairly, and honestly” in conducting their business. This means they cannot “engage in any unfair or misleading practices.” Furthermore, the Arizona law prohibits debt collectors from using any “oppressive, vindictive or illegal” collection methods.
Other prohibitions placed on debt collectors in Arizona
Under Arizona law, debt collectors are prohibited from using any of the following collection tactics:
- sending any written communication that imitates any form of judicial process from a court, government entity, or lawyer
- representing that the debt collector practices law or maintains a legal department unless the collector is, in fact, also licensed to practice law
- attempting to collect any collection fee, attorney's fee, court costs, or expenses that the debtor is not legally obligated to pay
- misrepresenting the amount of the existing debt or falsely stating that if the debt is not paid, the debtor will incur additional attorney fees, investigation fees, service fees, or any other additional charge, or
- giving the impression that the debt collector represents the State of Arizona or that the state government or any state agency has endorsed its activities.
Use SoloSuit to make the right affirmative defense and win your case.
Enforcing Arizona law on debt collection
Violation of the Arizona debt collection statute is a class 1 misdemeanor. Because this is a criminal statute, any debtor who has been victimized by a collection agency can report a violation of the statute to the local city or county prosecutor.
The debtor cannot directly sue the debt collector for breaking the law. However, because the FDCPA applies in Arizona, the debtor may still sue for money damages under the federal statute.
What collection agencies must do
Along with the prohibitions described above, there are specific affirmative actions that a debt collector must complete while attempting to collect a debt in Arizona. For example, a debt collector must represent who they are and be truthful in any representations conveyed to you.
Also, within five days of first contacting you, a debt collector must inform you of:
- The name of your creditor.
- The time and place the debt was created.
- What was purchased or serviced to create the debt.
- The date the creditor turned the account over for collection.
Along with the information described above, a debt collector in Arizona is obligated to:
- Only call you during reasonable hours (typically between the hours of 8:00 am and 9:00 pm).
- Make a reasonable effort to contact you at home before attempting to contact your place of employment.
- Investigate your claim that you were misidentified or that you do owe the debt.
In addition to state-based laws protecting consumers, there is also a federal law focused on protecting consumers from harassing debt collectors.
Hold debt collectors accountable by responding with SoloSuit.
Overview of the Fair Debt Collection Practices Act
The FDCPA, a federal law codified in 1977, was enacted to protect consumers who allegedly owe money to merchants, credit card companies, or other business entities. The FDCPA, much like the Arizona-specific laws on the book, prohibits debt collectors from using intrusive or deceptive tactics when collecting on a debt. If a debt collector violates the FDCPA, you may be able to file a lawsuit and pursue compensatory damages.
If you are looking for free legal aid in Bullhead City, Arizona because you have received threatening letters and phone calls from a debt collector, take comfort in knowing that you may very well be able to take on the debt collector without having to hire an attorney. Depending on your unique case, you may be able to get the debt collection lawsuit dismissed or you may be able to prevail against the debt collector in court.
What is SoloSuit?
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
Respond with SoloSuit
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate
>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance
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