Consumer Protection

Well, that depends on what they are doing! Contact our office and schedule free consultation to determine if what your creditors are doing is an unfair or illegal practice. You can reach us at (515) 276-7211.

If your creditors continue to contact you after you have requested that they stop, you have options! Contact our office and schedule a free consultation to determine what the best course of action is for your unique situation. You can reach us at (515) 276-7211.

Consumer protection is the act of protecting consumers from unfair and illegal practices in the marketplace. Consumer protection laws are designed to hold sellers of goods and services accountable when they seek to profit from their consumers' lack of information or bargaining power. Our office specifically focuses on Debt Defense and Illegal Debt Collection Lawsuits.

There are many reasons why you may need consumer protection and there are many different sections of consumer protection. Our clients generally need consumer protection because they’re debt collectors are participating in unfair and illegal debt collection practices. If you have questions on whether you need our help with consumer protection, please reach out to our office for a free initial consultation. You can reach us at 515-276-7211.

Illegal debt collection practices come in many different forms. Some examples include: Debt collectors cannot harass you by:

• Threatening you
• Using obscene or profane language
• Repeatedly calling you

Debt collectors cannot lie to you by:

• Telling you that you owe a different amount than what you actually owe
• Pretending to be an attorney or from the government
• Telling you that you will be arrested
• Claiming that they will take legal action against you if it’s not true

Debt collectors cannot treat you unfairly by:

• Trying to collet interest, fees or other charges on the amount you owe unless the original contract or law says they can
• Depositing a post-dated check early
• Publicly revealing your debts

For more information, please contact our office for a free consultation or refer to the Federal Trade Commission’s Consumer Information website at:https://www.consumer.ftc.gov/articles/debt-collection-faqs#collection.

Your options for dealing with creditors are going to vary from case to case and we cannot be certain of what those options are until we are able to sit down and speak to you about your current situation. Contact our office and schedule a free consultation to determine what your options are and how we can help you. You can reach us at 515-276-7211.

Yes, Marks Law Firm can help! We can assist you in everything from debt settlement agreements to preventing creditors from harassing you to suing creditors for illegal practices. Contact our office and schedule a free consultation to determine how we can help you. You can reach us at (515) 276-7211

Yes, you can sue your creditor for illegal collection practices in state or federal court. Generally, a judge can award you up to $1,000 if your creditor has broken the Fair Debt Collection Practices Act. Contact our office and schedule a free consultation to determine if you are in a position where you can sue your creditor for illegal collection practices.