Mississippi Debt Collection Attorney

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Creditors have strict legal obligations that they must follow when they are trying to collect debts. While the law recognizes that they have a right to do their job, it also places strict limits on how they can do it. If they violate those limits, they could be responsible for paying damages in a lawsuit. If you have had to deal with a demeaning and harassing creditor, you may be entitled to financial compensation.

Not only do you want to put an end to abusive debt collection practices, but you also want to be paid for the ordeal to which you were subjected by an unscrupulous debt collector. They will certainly not listen to you. If they had listened, they would not have even attempted to break the law in the first place. The only way to stand up to a bullying debt collector is to hire a tough and aggressive attorney who will fight back on your behalf.

How the Fair Debt Collection Practices Act Protects You

The Fair Debt Collection Practices Act prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. The FDCPA tries to balance creditors’ interests in being paid back their debts with debtors’ interests in being free from harassment and intimidation. Accordingly, creditors are allowed to contact you, but they are not allowed to do the following:

  • Make any false, deceptive, or misleading representation or means in connection with the collection of any debt
  • Not identify themselves with their true identity when they call you
  • Contact you at an unusual time or place or somewhere that they know is inconvenient for you
  • Harass you or anyone else through any means of contact
  • Call you when you have informed them that you do not want to be called

For example, the debt collector may continue to call you at work after you have expressly told them never to call you at your workplace. They may keep calling when you have sent them a formal letter saying that they can only communicate with you through a letter.

Debt collectors are trying to speak to you in any way they can to pressure, shame, threaten or overwhelm you into paying your debt. Sometimes, they cross the line.

Your Damages in an FDCPA Lawsuit

When a creditor has violated your legal rights under the FDCPA, you can file a civil lawsuit against them. The law allows you the following remedies:

  • $1,000 for each violation as statutory damages (this is a strict liability – the debt collector need not intend to break the law)
  • Physical distress that you have suffered from the effects of being harassed or bullied by a debt collector
  • Emotional distress from being harassed by abusive debt collection practices
  • Lost wages if calls to your office interfered with your ability to earn money at work

Why You Need a Mississippi Debt Collection Attorney

Debt collectors try to use any measure that they can to try to speak with you about the debt. They may call family members and ask them to pass along a message. They may send creative letters. Their methods are always evolving as they try to stay one step ahead of the law. In turn, the laws and regulations regarding debt collection are continuously changing, along with the way that courts interpret the law.

Individual consumers may not know their legal rights in the face of persistent and menacing calls from debt collectors. They may be living in fear and afraid to answer their phone. A phone call to an experienced lawyer can help you fight back when you feel powerless. You do not have to simply put up with it when the person on the other end of the phone or sending you letters is breaking the law.

Contact a Mississippi Debt Collection Attorney

Contact Ware Law Firm for Mississippi consumers like you when your legal rights have been violated. We stand up to the powerful corporate interests on behalf of clients who may be unable to stand up for themselves. To learn about how we can not only help you put a stop to abusive debt collection practices but also get financial compensation, contact us today.

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Aggressive Consumer Protection & Litigation
As far as I’m concerned, you’re more than another case number. I see you — the real person behind the problem.
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I started practicing law in 1998. With over 20 years of experience under my belt, you can rest assured your case is in good hands.
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If you need to meet outside of normal business hours, or if your situation prevents you from coming to my office, I’m happy to accommodate you.
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Money problems can leave you in fear and desperation

Depressing Hopelessness…

Possible Loss Of Your Home And Property…

Unsure What Comes Next…

We can help.
TALK TO A LAWYER
What Our Clients Say
Christopher Graves
I think reviews from consumer are important; yet, reviews from other attorneys are just as important, in my opinion. Lawyers know the level of integrity, skill, and value-added of their colleagues. With that being said, Daniel Ware can be summed up in sentence: Daniel Ware is your favorite lawyer's favorite lawyer. If I had a civil, criminal, or bankruptcy matter, Daniel would the lawyer I would call.
Kelvin Beverly
Mr. Ware is a very dependable and committed lawyer. He kept me in the loop of what was going on and most importantly he never stopped fighting for my case. That old saying 'He was A-1 from Day-1." Thanks Mr Ware.
Jennifer Bennett
Daniel Ware is an amazing lawyer; very professional and committed. This has been stated over and over again in the reviews. However, he's more than that. Intelligent, compassionate and empathetic you can trust your concerns will be handled. I could go on, but the fact is I'd trust no one else for my affairs. The Ware Law Firm is all I needed.
Frequently Asked Questions
Let’s Face It — You Have Questions.
What is the best way to stop a debt collector from calling me?

Besides telling them to stop, you should send them a written letter and keep a copy for yourself as proof that you sent it.

What happens if the debt collector is wrong?

You have the legal right to request that a debt collector send you validation of the debt. They must also give you certain information about the debt in their initial communication with you.

Can I get punitive damages in a lawsuit?

Yes, if the violation was bad enough. These damages have no cap on them.

Offices
216 1st Ave NE Magee, MS 39111
(601) 439-7079
403 Towne Center Boulevard Building 403C Ridgeland, MS 39157
(601) 439-7079