Understand Your debt

If you are contacted by a debt collection company, it has the obligation to disclose to you: the amount of the debt you allegedly owe, the source of the debt, and the loan documents that support the debt. The collection company must give you the right to contest the debt.  You have the right to … Read more

Collection Company’s Voicemails

Under the Fair Debt Collection Practices Act (FDCPA), a collections company may not leave a message with a third party that will induce you, as a debtor, to call back. Often times, collection companies intentionally call third parties, employers, parents, spouses and leave messages that identify that you owe a debt, and create a sense … Read more

The Telephone Consumer Protection Act

The Telephone Consumer Protection Act (the “TCPA”) was passed in 1991 to protect the consumer from constant telemarketing calls.  The TCPA prohibits making telemarketing calls using an artificial or prerecorded voice to a residential telephone without prior express consent or an artificial or prerecorded voice to a wireless telephone number without prior express consent.  If … Read more

Illegal Collector Message

The following is an accurate transcription of a message received by my client: This is a message for Mr. _______ The Call is for Mr. ________. Mr. ________, contact me, Investigator _____. I am giving a call regarding a case of fraud filed and documented in my office with your name attached to it. I … Read more

Debt Collectors Creation of Urgency

Debtor’s rights Collection companies pursue debt collection attempt to create a sense of urgency in the debtor by: constantly calling you many times in a single day, constantly calling employers or third parties, or third parties such as your parents, close family, or friends to tell them you have important matters to attend to, Claiming … Read more

Debtor’s Rights

As a debtor you have rights. You are protected by both state and federal law. If a collection company violates any state or federal law, you can receive at a minimum $1,000 per violation. Arizona’s fair debt collection practices act as well as Federal law protects your rights as a consumer debtor. They are: The … Read more


Welcome to my website. The internet seems the most viable option for promoting my services, and helping people understand the legal process.  This website should be used by potential clients for review and education.  Hopefully, the published articles concerning my areas of specialty will benefit readers.  Please call with legal questions. If you are involved … Read more