TILA Lawyer New Haven, CT

TILA Lawyer New Haven, CTA TILA lawyer in New Haven, CT from Eric Lindh Foster Law, LLC knows that millions of Americans are drowning in debt, many of whom have collectors going after them. If a debt collector has contacted you, it’s important to know your rights. Our team is well-versed in protecting consumers from the predatory practices of debt collection services. We hear everyday about how collectors have crossed the line. Sometimes, debtors don’t even realize it’s happened until they describe the encounter to us.

This article will explain what you need to know about abusive, unfair or deceptive practices by bill collectors. 

Types of Debts That are Covered

Not all debts are covered under the Fair Debt Collection Practices Act (FDCPA). Consumer debts related to personal, household or family purposes are the only types of debts covered by the statute. Some examples of consumer debts include:

  • Delinquent credit cards
  • Mortgages on homes, automobiles or other personal property
  • Student loans
  • Medical bills

Other types of debt are often confused for being covered by the FDCPA but are actually not:

  • Taxes: This includes property, state, and federal income taxes. 
  • Legal fees: If connected to a business dispute, then it’s not covered by the FDCPA
  • Parking tickets: Not a consumer debt
  • Personal guarantees of business debts: Not a consumer debt
  • Domestic support obligations: Most courts consider payments for alimony or child support as non-consumer debt.

Types of Practices that are Forbidden by Debt Collectors

Debt collectors may be calling you several times a day. However, as your New Haven TILA lawyer in CT may tell you, there is no set limit on the number of phone calls you can receive, there is a scope of harassment they must avoid. Debt collectors must not:

  • Threaten violence or harm to you or your family.
  • Threaten arrest or imprisonment.
  • Use obscene and profane language
  • Threaten to tell your employer and loved ones about your financial woes.
  • Depending on the debt itself, you may receive two to three phone calls per day. But six or more may be too many.
  • Falsely identify themselves as a government official or attorney.
  • Misrepresent the amount of money that you owe.
  • Add interest or other fees onto your debt, unless indicated in your agreement with the original creditor.
  • Threaten wage garnishment or property seizure.

When Debt Collectors Violate the Law

Our team works with debt collection victims daily. People like you who may have been harassed, threatened, or even lied to during the debt collection process. It is possible to recover damages and be reimbursed for attorney’s fees and court costs. But, even if you are able to pursue a case against the debt collector, the debt itself does not just go away.

We are skilled at handling the illegal actions of debt collectors. We can also help with debt consolidation and in many cases even negotiate better terms than you had before. We know that right now it may seem like everything is working against you. When you choose to work with our team, you can trust that we’re on your side every step of the way. Call a TILA lawyer in New Haven, Connecticut from Eric Lindh Foster Law, LLC to get started with your consultation today!

What Is TILA?

TILA was created with the intent to protect consumers, such as yourself, from getting into lending agreements without being fully aware of the terms and details they are agreeing to. It exists to keep lenders from being able to hide terms that affect the lending agreement, such as how much you will end up paying and when you will need to make payments. If you believe a lender has violated the Truth in Lending Act, don’t hesitate to reach out to a New Haven, CT TILA lawyer who can discuss your situation and potential legal strategies for moving forward to a solution. Your TILA lawyer will work closely with you to ensure your questions are answered and the legal process continually moves forward to a resolution. Lawyers will do much of the paperwork involved, speak to other parties on your behalf, and explain everything that is going on step by step so that you can feel better and understand exactly what you are going through. It is crucial to have a lawyer who knows about TILA in depth to have the best chance at a favorable verdict on your case. 

When to Call Us for a TILA Lawyer

Here at Eric Lindh Foster Law, LLC, we’ve helped many people just like you who have been misled by a lender or creditor and wrongly locked into an agreement that they had not been made aware of all of the conditions and terms before agreeing. If you believe that the lender for your loan used illegal and tricky practices to hide important details about your loan and you’re feeling stuck, it may be time to speak with our TILA lawyer in New Haven, CT to get the legal help you need to make things right. Your lawyer will fight on your behalf, represent you in legal situations, write legal letters for you, and much more. Don’t let your lender get away with making you agree to a loan without disclosing all of the details before signing the agreement. It is illegal for lenders to do this, and they know it. Let your TILA lawyer make things right for you. The sooner you contact our law firm, the better chance you have at making things right again. 

Why You Should Not Go About This Alone

You need to have a lawyer on your side so that you can be looked after and understand exactly what is going on. The TILA lawyers in Connecticut from Eric Lindh Foster Law, LLC have dealt with many different cases similar to yours and know what to look for to make sure you get justice. We will fight for you and make sure the people who deceived you will not get away with everything they have done. You need to help put a stop to this terrible behavior so that others do not have to go through the same nightmare that you are facing right now. You can help prevent it by taking the other party to court and hopefully deterring them from doing the same thing over to someone else. 

Having a lawyer on your side saves you time, money, and gives you the expertise you need in a TILA case. You will not have to spend countless hours researching and trying to find answers about what is happening. Your lawyer will do this for you and already knows about TILA in depth so will not need to struggle to figure out the next steps to take. You deserve justice and the TILA lawyers in CT from Eric Lindh Foster Law, LLC want to see that it is served to you. 

Schedule a Consultation Today

There’s no need to wait to talk with a lawyer, whatever the details of your situation. It is always a good idea to speak with a TILA lawyer to get the legal help you need to get through this. Let your lawyer use their experience and legal knowledge to your advantage and provide you with sound legal guidance. Contact us at Eric Lindh Foster Law, LLC today to get started on your case and discuss potential legal strategy options, ask any legal questions you have, and to keep your case moving forward. Call today to schedule your consultation so we can get started as soon as possible and get this behind you. 

Free Initial Case Assessment

We provide an initial case assessment which is conducted free of charge so we can understand your unique situation and evaluate whether our legal services might be right for you.