Michigan Debt Collection Attorney

The recession of 2008 caused many people to fall into deep debt. When massive job losses and real estate foreclosures hit the economy, debt collectors followed suit.

As the effects of the recession still linger, these debt collectors continue to abuse consumers in order to pressure them into paying their debts. Illegal intimidation tactics have scared many consumers into paying debts they do not even owe. This problem is especially bad in the cases of consumers with defaulted payday loans.

How Can Lyngklip & Associates Help Me?

Both state and federal laws prohibit debt collection abuse and provide remedies to victims of collection abuse. Victims may recover compensation for harassment, embarrassment, out of pocket losses and abuse.  These statutes also provide for a variety of statutory awards.  Successful cases will also include recovery of attorney’s fees.

Common Cases We See:

You may have a debt collection abuse case under the Fair Debt Collection Practices Act if you have experienced the following:

How Much Are Your Fees?

We handle debt collection abuse cases on a case-by-case basis. Our clients do not pay out of pocket for fees and pay nothing unless we recover damages on their behalf.

We also pay referral fees to referring attorneys.  Clients should complete our checklist below before reaching out to one of our attorneys.

Debt Collection Abuse FAQs

A debt collector called me but won’t share any information with me besides how to pay.

If a debt collector will not share any information with you about the debt or their company, like their address, their name or the name of the original creditor, be wary. Before you give any information to a debt collector, try to get as much information as you can including their phone number, website or street address. If the collector refuses to give any of this information, contact an attorney immediately.

Debt collectors are calling my family members or friends.

If debt collectors are harassing your family members, friends or neighbors, they may be in violation of the Fair Debt Collection Practices Act. Debt collectors cannot talk about your debt with anyone else. If this has happened to you, you should contact an attorney immediately.

I am getting threatening or violent calls and voicemails from debt collectors.

If a debt collector calls you regarding a debt and you feel like you are being mistreated, the Fair Debt Collection Practices Act may protect you from this abuse. Any threatening, violent or coercive phone calls are considered illegal.

I keep getting automated calls and voicemails regarding the collection of a debt.

Automated, pre-recorded calls are known as robo-dialing. If someone robo-dials you on your cell phone, you have the right to tell them to stop. If you continue to receive automated calls or text messages to your personal cell phone or landline, you may have a case under the Fair Debt Collection Practices Act or the Telephone Consumer Protection Act.

I received a call from someone saying they were from the court regarding the collection of a debt.

The first thing you should do is call the court to verify that they called you directly. If you verify that the court did not call you and the debt collector is impersonating a court officer, the Fair Debt Collection Practices Act may protect you.

I received a call saying that I will be arrested if I don’t pay my debt immediately.

Threats of arrest are illegal under the Fair Debt Collection Practices Act. If you have been threatened to be arrested by a debt collection company, contact an attorney immediately.

I signed up for a payday loan and now I am getting threatening calls.

Debt collectors for payday loans are known to employ threatening techniques to collect their debts. These tactics include accusations of a federal crime, check fraud or arrest. Often times, they will call from untraceable numbers or call centers, making it hard to track them down. If you have taken out a payday loan and you are getting abusive phone calls, call an attorney immediately.

Someone saying that they were an investigator is calling me about a debt that I owe.

Debt collectors will sometimes lie about who they are in order to intimidate you. If the debt collector says they are an investigator or a representative of the court, always ask for identification. If they are unwilling to share this information with you, you should contact an attorney for help right away.

Let’s See If We Can Help You!

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What Our Clients Are Saying

5 5 1
Lyngklip & Associates Consumer Law Group, PLC has been a long time coming. I have been dealing with identity theft from multiple sources for at least three decades. I couldn't find a lawyer that would even listen to me or even would know how to approach the subject matter of identity theft and how to help someone clear their name. I never gave up and found Lyngklip & Associates Consumer Law Group, PLC from another lawyer who couldn't help me. Ever since we have been fixing my background reports and helping me clear my name. Great client service and very helpful. I would recommend Ian Lyngklip and all of Lyngklip & Associates Consumer Law Group, PLC to anyone that needs help in consumer law, identity theft, and fixing incorrect information on a person's background report. Top notch all the way!

5 5 1
Ian and his team were very personable and I felt like they were on my side the entire time. I was dealing with a consumer issue and they were available to answer any questions that I had whenever I called. The end result was fair and exactly what I expected. I really liked how they took care of their business. If you’re in the right, they’re going to make sure that the truth prevails and they won’t leave you there feeling like a stranger.

5 5 1
Michigan Consumer Law helped me when I was having issues with the purchase of a vehicle. What happened to me was very unsettling. However, when I met with Ian and his team, they explained everything to me in layman’s terms and my anxiety was relieved knowing that I wasn’t going to be completely ripped off. I received a settlement and was happy with the end result. I am now working with Michigan Consumer Law on another case of mine, and would definitely recommend them to anyone.