#debt relief law firm tacoma

[kevingbyrd]

kevin G Byrd — Divorce Lawyer & Bankruptcy attorney

Navigating legal challenges can be daunting, especially when it comes to matters like bankruptcy and divorce. Whether you’re facing financial strain or the complexities of family law, having the right attorney by your side can make all the difference. At Kevin G. Byrd Law Firm, we understand the importance of expert legal guidance, which is why we offer comprehensive services tailored to your specific needs. From Dupont to Tacoma and beyond, our team is here to provide the support and representation you deserve.

Bankruptcy Lawyer Dupont: If you’re considering bankruptcy in Dupont, our experienced bankruptcy lawyers are ready to assist you. With a deep understanding of bankruptcy law, we’ll guide you through the process and help you make informed decisions about your financial future.

Bankruptcy Attorney Dupont: Facing overwhelming debt can be stressful, but you don’t have to go through it alone. Our dedicated bankruptcy attorney in Dupont will work tirelessly to help you achieve relief and regain control of your finances.

Chapter 7 Bankruptcy Attorney Dupont: Chapter 7 bankruptcy can offer a fresh start for individuals burdened by debt. As your Chapter 7 bankruptcy attorney in Dupont, we’ll help you understand your options and navigate the legal proceedings with confidence.

Divorce Attorney Dupont: Going through a divorce is never easy, but having the right attorney on your side can ease the process. Our compassionate divorce attorneys in Dupont will advocate for your interests and work towards a fair resolution for you and your family.

Divorce Lawyer Dupont: With our experienced divorce lawyers in Dupont, you can expect personalized attention and dedicated representation throughout your divorce proceedings. We’ll fight for your rights and help you move forward with confidence.

Military Divorce Attorney Dupont: Military divorces often involve unique challenges, but our knowledgeable military divorce attorney in Dupont is here to help. We understand the intricacies of military law and will ensure your rights are protected every step of the way.

Military Divorce Attorney Fife: If you’re stationed in Fife and facing a military divorce, our experienced attorney is here to provide expert guidance. We’ll navigate the complexities of military divorce law and work towards a favorable outcome for you and your family.

Chapter 7 Bankruptcy Attorney Fife: Considering Chapter 7 bankruptcy in Fife? Our skilled attorney will assess your financial situation and help you determine if Chapter 7 is the right option for you. We’ll guide you through the process and provide the support you need to achieve a fresh start.

Divorce Attorney Fife: Our compassionate divorce attorneys in Fife understand the emotional toll of divorce. We’ll provide personalized legal guidance and advocacy to help you through this challenging time.

Divorce Lawyer Fife: Whether your divorce is amicable or contested, our experienced divorce lawyers in Fife will fight for your rights and interests. We’ll work towards a resolution that meets your needs and protects your future.

Bankruptcy Lawyer Fife: If you’re struggling with debt in Fife, our knowledgeable bankruptcy lawyers are here to help. We’ll explore your options for debt relief and guide you towards a brighter financial future.

Bankruptcy Attorney Fife: Our dedicated bankruptcy attorney in Fife will work with you to understand your financial situation and develop a strategy to achieve your goals. We’ll provide the support and representation you need to overcome financial challenges.

Military Divorce Attorney Lakewood: If you’re facing a military divorce in Lakewood, our experienced attorney is here to help. We’ll provide compassionate guidance and skilled representation to ensure your rights are protected.

Chapter 7 Bankruptcy Attorney Lakewood: Seeking relief through Chapter 7 bankruptcy in Lakewood? Our knowledgeable attorney will guide you through the process and help you achieve a fresh financial start.

Bankruptcy Lawyer Lakewood: Our experienced bankruptcy lawyers in Lakewood will help you navigate the complexities of bankruptcy law and find the best solution for your financial situation.

Bankruptcy Attorney Lakewood: From assessing your eligibility for Chapter 7 bankruptcy to guiding you through the filing process, our dedicated attorney in Lakewood will provide the support and guidance you need to achieve debt relief.

Divorce Attorney Lakewood: Going through a divorce in Lakewood? Our compassionate attorney will provide personalized legal guidance and advocacy to help you through this challenging time.

Divorce Lawyer Lakewood: With our experienced divorce lawyers in Lakewood, you can trust that your rights and interests will be protected throughout the divorce process. We’ll work towards a resolution that meets your needs and allows you to move forward with confidence.

Military Divorce Attorney Puyallup: If you’re facing a military divorce in Puyallup, our experienced attorney is here to help. We’ll provide compassionate guidance and skilled representation to ensure your rights are protected.

Chapter 7 Bankruptcy Attorney Puyallup: Seeking relief through Chapter 7 bankruptcy in Puyallup? Our knowledgeable attorney will guide you through the process and help you achieve a fresh financial start.

Divorce Attorney Puyallup: Our compassionate attorney understands the emotional toll of divorce and will provide personalized legal guidance and advocacy to help you through this challenging time.

Divorce Lawyer Puyallup: Whether your divorce is amicable or contested, our experienced lawyer will fight for your rights and interests. We’ll work towards a resolution that meets your needs and allows you to move forward with confidence.

Bankruptcy Lawyer Puyallup: Our experienced bankruptcy lawyers in Puyallup will help you explore your options for debt relief and guide you towards a brighter financial future.

Bankruptcy Attorney Puyallup: From assessing your eligibility for Chapter 7 bankruptcy to guiding you through the filing process, our dedicated attorney in Puyallup will provide the support and guidance you need to achieve debt relief.

Chapter 7 Bankruptcy Attorney Sumner: Considering Chapter 7 bankruptcy in Sumner? Our knowledgeable attorney will guide you through the process and help you achieve a fresh financial start.

Bankruptcy Lawyer Sumner: Our experienced bankruptcy lawyers in Sumner will help you navigate the complexities of bankruptcy law and find the best solution for your financial situation.

Military Divorce Attorney Sumner: If you’re facing a military divorce in Sumner, our experienced attorney is here to help. We’ll provide compassionate guidance and skilled representation to ensure your rights are protected.

Divorce Attorney Sumner: Our compassionate attorney understands the emotional toll of divorce and will provide personalized legal guidance and advocacy to help you through this challenging time.

Divorce Lawyer Sumner: Whether your divorce is amicable or contested, our experienced lawyer will fight for your rights and interests. We’ll work towards a resolution that meets your needs and allows you to move forward with confidence.

Chapter 7 Bankruptcy Attorney Tacoma: Seeking relief through Chapter 7 bankruptcy in Tacoma? Our knowledgeable attorney will guide you through the process and help you achieve a fresh financial start.

Military Divorce Attorney Tacoma: If you’re facing a military divorce in Tacoma, our experienced attorney is here to help. We’ll provide compassionate guidance and skilled representation to ensure your rights are protected.

Bankruptcy Lawyer Tacoma: Our experienced bankruptcy lawyers in Tacoma will help you explore your options for debt relief and guide you towards a brighter financial future.

Bankruptcy Attorney Tacoma: From assessing your eligibility for Chapter 7 bankruptcy to guiding you through the filing process, our dedicated attorney in Tacoma will provide the support and guidance you need to achieve debt relief.

Divorce Attorney Tacoma: Our compassionate attorney understands the emotional toll of divorce and will provide personalized legal guidance and advocacy to help you through this challenging time.

Divorce Lawyer & Bankruptcy attorney

[tacomabankruptcyattorney]

Tacoma Chapter 7 Bankruptcy Attorneys

If you are in financial distress and want bankruptcy protection then read this infographic to learn about chapter 7 bankruptcy. For legal advice and assistance on your bankruptcy options, call Northwest Debt Relief Law Firm at 253-343-1944 and speak with one of our experienced Tacoma chapter 7 bankruptcy lawyer.

[seattlebankruptcyattorney-blog]

Are you looking for affordable solutions to debt problems? Visit here and know about our Northwest Debt Relief Law Firm, a bankruptcy attorney in Seattle WA. You can also visit us in Vancouver, Portland, Tacoma or Sandy for a consultation.

[freeminimaps]

Northwest Debt Relief Law Firm

Northwest Debt Relief Law Firm help clients rebuild their credit after bankruptcy. Our focus is not just on eliminating debt but on helping people return to the financial mainstream as soon as possible. For more details call our Tacoma chapter 7 bankruptcy lawyers at 253-343-1944.

Northwest Debt Relief Law Firm was originally published on Business directory and remarkable travel blog!

[anthonyekoehler]

Sound Collection Services

Debt collectors like Sound Collection Services, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Sound Collection Services violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Sound Collection Services, LLC?

Sound Collection Services is a third-party debt collection agency based in Tacoma, Washington. Founded in 2004, little information is available about the agency, though it has been accredited by the Better Business Bureau (BBB) since 2016.

Sound Collection Services’s Address, Phone Number, and Contact Information

Sound Collection Services is located at 3012 S 47th St, Tacoma, WA 98409. The Google-listed telephone number is 888-472-0644 and the main website is www.soundcollectionservices.com/.

Phone Numbers Used by Sound Collection Services

Like many debt collection agencies, Sound Collection Services may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Sound Collection Services may be calling you from:

253-472-0644

888-472-0644

Sound Collection Services Lawsuits

If you want to know just how unhappy consumers are with Sound Collection Services, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display 10 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Sound Collection Services Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Sound Collection Services is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Sound Collection Services violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Sound Collection Services took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Sound Collection Services, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Sound Collection Services continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Sound Collection Services is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Sound Collection Services’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Sound Collection Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Sound Collection Services is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Sound Collection Services is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Sound Collection Services Sue Me?

Although anyone can sue anyone for any reason, we have not seen Sound Collection Services sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Sound Collection Services has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Sound Collection Services Garnish my Wages?

No, unless they have a judgment. If Sound Collection Services has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Sound Collection Services has threatened to garnish your wages, contact our office right away.

Sound Collection Services Settlement

If you want to settle a debt with Sound Collection Services, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Sound Collection Services remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from Sound Collection Services for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Sound Collection Services, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No.  Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share your Complaints against Sound Collection Services Below

We encourage you to post your complaints about Sound Collection Services. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Sound Collection Services over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

The post Sound Collection Services appeared first on Agruss Law Firm, LLC.

Sound Collection Services published first on https://agrusslawfirmllc.tumblr.com

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Sound Collection Services

Debt collectors like Sound Collection Services, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Sound Collection Services violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Sound Collection Services, LLC?

Sound Collection Services is a third-party debt collection agency based in Tacoma, Washington. Founded in 2004, little information is available about the agency, though it has been accredited by the Better Business Bureau (BBB) since 2016.

Sound Collection Services’s Address, Phone Number, and Contact Information

Sound Collection Services is located at 3012 S 47th St, Tacoma, WA 98409. The Google-listed telephone number is 888-472-0644 and the main website is www.soundcollectionservices.com/.

Phone Numbers Used by Sound Collection Services

Like many debt collection agencies, Sound Collection Services may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers Sound Collection Services may be calling you from:

253-472-0644

888-472-0644

Sound Collection Services Lawsuits

If you want to know just how unhappy consumers are with Sound Collection Services, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display 10 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Sound Collection Services Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Sound Collection Services is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Sound Collection Services violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Sound Collection Services took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Sound Collection Services, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Sound Collection Services continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Sound Collection Services is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Sound Collection Services’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Sound Collection Services violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Sound Collection Services is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Sound Collection Services is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

What Our Clients Say about Us

Agruss Law Firm has over 825 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can Sound Collection Services Sue Me?

Although anyone can sue anyone for any reason, we have not seen Sound Collection Services sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Sound Collection Services has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Sound Collection Services Garnish my Wages?

No, unless they have a judgment. If Sound Collection Services has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Sound Collection Services has threatened to garnish your wages, contact our office right away.

Sound Collection Services Settlement

If you want to settle a debt with Sound Collection Services, ask yourself these questions first:

Do I really owe this debt?

Is this debt within the statute of limitations?

Is this debt on my credit report?

If I pay this debt, will Sound Collection Services remove it from my credit report?

If I pay this debt, will the original creditor remove it from my credit report?

If I pay this debt, will I receive confirmation in writing from Sound Collection Services for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Sound Collection Services, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

Called you about a debt you do not owe.

Called you at work after you told them you cannot receive calls at work.

Left you a message without identifying the company’s name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.

Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.

Contacted you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage garnishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector you cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.

What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.

What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.

What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.

Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No.  Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.

Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.

Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.

What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/.

Share your Complaints against Sound Collection Services Below

We encourage you to post your complaints about Sound Collection Services. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Sound Collection Services over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

The post Sound Collection Services appeared first on Agruss Law Firm, LLC.

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