Practice Areas

Predatory Lending Practices

Georgia Predatory Lending Lawyers

Helping Victims of Unscrupulous Debt Collectors across the United States

There are rules that creditors must follow in their treatment of debtors. These laws apply to credit card companies, banks, mortgage companies, and any other debt collectors you deal with. If creditors break these laws, they should be held fully accountable by experienced predatory lending lawyers.

The predatory lending lawyers of Brown & Scoccimaro, P.C. fight hard against large companies on behalf of creditors throughout the United States. At this time, we are involved in an Ameriquest class action on behalf of people across the country. With law offices in Albany, Georgia, we often assist clients throughout the South, including Atlanta, Macon, and Dalton in Georgia, as well as, Birmingham, Alabama, Tallahassee, Florida, Columbia, and South Carolina. However, we will travel anywhere in the United States to help someone with Ameriquest problems or other predatory lending issues.

For any potential case involving predatory lending, our lawyers work on contingency, charging our clients nothing and only receiving payment as part of a settlement or verdict. Contact our attorneys for a free initial consultation.

Laws Governing Predatory Lending

Lawyers involved in holding companies responsible for mortgage fraud and other illegal practices use a number of federal laws. A primary such law is the Fair Debt Collection Practices Act, which mandates that:

• Debt collectors cannot contact you at inconvenient times (i.e. before 8 a.m. or after 9 p.m.) or places (i.e., at work if the collector knows that your employer disapproves)
• You can write a debt collector and tell them to stop contacting you, and they must stop any contacts meant only to harass you about your debts. Other contacts are permitted, however.
• Debt collectors must contact your attorney rather than you, if you have one. They may not contact other people, such as your relatives, except to get information about your place of work or address; they may not tell most people about your debts.
• Debt collectors cannot make threats of violence, use profanities, or publish a list of consumers who owe debts.
• Debt collectors cannot make false or misleading statements, such as implying that you have committed a crime, and must disclose exactly how much you owe, who you owe it to, and what to do if you believe you do not actually owe the money.

If you believe that your creditor has violated any of the above rules, or those of the Uniform Deceptive Trade Practices Act (UDTPA) or other laws, contact our Georgia predatory lending lawyers as soon as possible. Our attorneys help people throughout the United States.