No Cost Solutions

The right to recover attorney’s fees and costs allows me to represent you at no cost to you in most FDCPA cases because the debt collector has to pay me not you if we win or settle. Better yet, you can recover up to a $1,000.00 in statutory damages per defendant.

We Stop Debt Collectors

Are you being harassed by debt collectors? We can give you peace of mind!

We can help you rest easier by ending debt collector abuse and harassment. Lawson at Law, PLLC regularly sues debt collectors and defends lawsuits brought by junk debt collectors.

Proven Results

Lawson at Law, PLLC has been instrumental in changing the law of Kentucky to help Kentucky consumers. In the Sixth Circuit Court of Appeals we’ve been successful in stopping debt collectors from adding interest to debts before the acquire the debts, Stratton v. Portfolio Recovery Associates, LLC, 770 F.3d 443 (6th Cir. 2014); and punishing a debt collector for filing an illegal judicial lien. Currier v. First Resolution Inv. Corp., 762 F.3d 529 (6th Cir. 2014). In federal district court we scored a major victories establishing the statute of limitations for the collection credit card debt in Kentucky, Conway v. Portfolio Recovery Associates, LLC, 13 F.Supp.3d 711 (E.D. Ky. Mar. 31, 2014); and stopping debt collectors from charging usurious interest. Grace v. LVNV Funding, Inc., 22 F.Supp.3d 700 (W.D. Ky. May 23, 2014).

Let us put our proven success to work for you. Please call or email me for a free consultation to discuss how we can help you fight back against the debt collector harassing you.

Debt Collectors We Fight Against

We fight against debt collectors for clients all across the state from Paducah to Ashland and from Covington to London, and cities in between like Lexington and Bowling Green.

Some of the debt collectors that we fight against on a regular basis include:

  • Atlantic Credit & Finance
  • Asset Acceptance, LLC
  • Cavalry SPV I, LLC
  • DH Capital Management, Inc.
  • First Resolution Investment, Corp.
  • GLA Collection Co.
  • LVNV Funding, LLC
  • Midland Credit Management, Inc.
  • Midland Funding, LLC
  • NCO Financial Systems, Inc.
  • Portfolio Recovery Associates, LLC
  • Resurgent Capital Services, LP
  • Southwest Credit Systems, LP
  • Somerhill Capital
  • Unifund CCR Partners

Ready to fight back against the debt collectors? Call me at (502) 473-6525 to discuss your options. Like the Initial Consultation, the Call is Free!

FDCPA Protections

  • A debt collector cannot...

    …collect or attempt to collect money, interest, costs, or fees that they have no legal right to collect

  • A debt collector cannot...

    …make threats that they do not intend to take or legally cannot take

  • A debt collector cannot...

    …threaten to garnish your wages or bank account without first getting a judgment against you

  • A debt collector cannot...

    …threaten to send you to jail

  • A debt collector cannot...

    …sue or threaten to sue you on a time-barred debt

  • A debt collector cannot...

    …place a lien against your property it unless without first getting a final judgment against you

Know Your Rights

Debt collectors are not required to register to collect debts in the state. Kentucky’s consumer protection laws don’t apply to junk debt collectors. Kentucky has no other laws that designed to control debt-collector abuse. The federal Fair Debt Collection Practices Act (“FDCPA”) is the only substantive law that applies to junk debt collectors.

Unfortunately, Kentucky is the wild west for debt collectors.

Fortunately, the FDCPA is a powerful law enacted by Congress expressly to compensate for inadequate state laws.

The FDCPA gives you the power to stop harassing phone calls and dunning letters. You can sue debt collectors for violating the FDCPA. If you win or settle with the debt collector, the debt collector has to pay your attorney’s fees and costs, your actual damages, and statutory damages of up to $1,000.00.

Did You Know That A Debt Collector Cannot…

  • Telephone you an unreasonable number of times.
  • Telephone you at an unusual time/ unusual place.
  • Disclose information of your debts to third parties, including your spouse and other relatives.
  • Use profane or other abusive language.
  • Claim to be affiliated with any governmental organization.
  • Accuse you having committed a crime.
  • Threaten or communicate false credit information.
  • Call you before 8:00 a.m. or after 9:00 p.m.
  • Call you, but not announce who he/she is.

Ready to fight back against the debt collectors? Call me at (502) 473-6525 to discuss your options. Like the Initial Consultation, the Call is Free!