Craig Cunningham is a Dallas man who has successfully sued numerous lenders and collection agencies for illegal debt collection practices. Cunningham has been so effective in his fight against illegal debt collection practices, that he has developed a strategy to address such consumer rights violations.
During the economic woes of the previous decade, Cunningham found himself being targeted by bill collectors and credit agencies. But after some research, he began educating himself about the rights and protections under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Telephone Consumer Protection Act. Now, when collection agencies call him, he records the conversations and remains alert to any mistakes they make.
Cunningham has won compensation from bill collectors for violations including:
Threatening to garnish his wages or put a lien on his home (both of which are examples of illegal debt collection)
Misrepresenting the amount of debt he owes (accusing him of false debt)
Failing to investigate his claims of inaccurate information on his credit report
Using prerecorded or autodialed phone calls to collect debts
Many of these violations carry penalties of up to $1,500 per infraction. Altogether, Cunningham has filed 15 lawsuits in federal court which netted him a total of $20,000 in settlement compensation. All he did was learn the rules of the debt collection process and use existing legislation against illegal debt collection to protect his consumer rights.
Contacting a Massachusetts Consumer Protection Lawyer
The Massachusetts consumer protection and class action attorneys at Phillips & Garcia will fight for your rights in your illegal debt collection case. We are committed to protecting your best interests and helping you collect the damages you need and deserve to move on with your life. If you feel you have been illegally harassed by collection agencies, contact Phillips & Garcia today to schedule your FREE legal consultation – (877) 892-5620.