Girvin & Ferlazzo is a full-service general practice law firm based in Albany, New York, founded in 1991. The firm specializes in various legal areas, including Education, Labor and Employment, Litigation, Personal Injury, Medical Malpractice, Real Estate, Corporate Law, and Debt Collection. They provide services for individuals dealing with collection issues, offering consultations to help navigate debt removal and credit repair. With a focus on consumer rights, Girvin & Ferlazzo aims to protect clients from harassment and ensure fair practices in debt collection. Contact them today for assistance with your credit concerns.
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Founded in 1991 and located in Albany, New York, Girvin & Ferlazzo is a full-service general practice law firm. They specialize in various areas, including Education, Public and Private Sector Labor and Employment, Litigation, Personal Injury, Medical Malpractice, Real Estate, Corporate/Business Law, and Debt Collection.
Do You Want Your Collections Removed Today?
Contact Girvin & Ferlazzo at (716) 355-0119 for a free credit consultation. Our experienced paralegals are ready to assist you. You can also reach us via email at info@cpgcomplete.com.
Additional BBB Reviews
Complaint Type: Billing/Collection Issues
Kristie (or Christie) called my home number from Girvin & Ferlazzo, asking me to verify my name and birth year. I refused to confirm my birth year as it was incorrect. She did not provide information about the call, and this was the second time they contacted me.
Complaint Type: Billing/Collection Issues
I disputed a debt that appeared on my credit report, claiming it was opened by financial services in November 2020. I want this debt removed.
Complaint Type: Billing/Collection Issues
Girvin & Ferlazzo failed to validate a debt they claimed I owed, providing no documentation for the original amount. I want this removed from my credit report.
Can Girvin & Ferlazzo Collections Be Removed from My Credit Report?
Depending on the circumstances, it is possible to have collections removed, settled, or improved. It’s best to review your account with Girvin & Ferlazzo to determine the best course of action.
Should I Contact or Pay Girvin & Ferlazzo?
Communicating with a collection agency can be detrimental. Making payments can reset the clock on the debt. However, it may be necessary to pay if the debt is legitimate. Working with a professional credit repair service can help resolve issues with collections effectively.
Will Girvin & Ferlazzo Sue Me or Garnish My Wages?
The likelihood of a lawsuit is low, but to eliminate this risk, consider contacting Consumer Protect Group. They can help manage disputes and clean up your credit report.
What is Wage Garnishment?
Wage garnishment is a court-ordered collection method that deducts money from an employee’s paycheck. It can have serious implications depending on state laws. Girvin & Ferlazzo cannot legally foreclose or auction your property.
Girvin & Ferlazzo Complaints
If you feel harassed, consider filing a complaint with the Consumer Financial Protection Bureau (CFPB) or Better Business Bureau (BBB). They support consumers against harassment in collections.
How Collections Affect Your Credit
Failure to make payments can lead to collections, negatively impacting your credit score. Collection agencies share information, which can severely damage your credit history.
Your Rights When Dealing with Girvin & Ferlazzo, P.C.
The Fair Credit Reporting Act protects consumers from abusive practices by collectors. It ensures your personal data is secure and provides guidelines for proper debt collection.
Consumer Rights Under the FCRA
Girvin & Ferlazzo must provide proof of legitimacy to collect any debt. They cannot harass or publicly disclose your status as a debtor.
More Tips on Dealing with Girvin & Ferlazzo
Avoid direct communication to protect yourself. If contacted, request all communications in writing. Document all interactions and do not provide unnecessary personal information.
What is Girvin & Ferlazzo?
Girvin & Ferlazzo specializes in debt collection. Many complaints allege violations of the Fair Debt Collection Practices Act (FDCPA). Understand your rights if contacted by them.
Is Girvin & Ferlazzo a Scam?
Girvin & Ferlazzo is a legitimate company, though many complaints suggest they may have violated FDCPA regulations.
Who Does Girvin & Ferlazzo Collect For?
They collect debts for various clients, including credit card companies and student loans. If they contact you, it may relate to an outstanding student loan debt.
How Many Complaints Against Girvin & Ferlazzo?
Numerous complaints exist against Girvin & Ferlazzo, primarily alleging violations of the FDCPA and false reporting of debts.
Can Girvin & Ferlazzo Sue Me or Garnish My Wages?
It is illegal for them to threaten lawsuits or wage garnishment without cause. Contact us for assistance in protecting your assets.
Can You Help Me File a No Fee Lawsuit Against Girvin & Ferlazzo?
You can sue a debt collector, but resolving the matter directly is usually less stressful and more effective.
Girvin & Ferlazzo Calling You?
Familiarize yourself with your rights under the FCRA to understand what debt collectors can and cannot do.
Can I Sue Girvin & Ferlazzo for Harassment?
You can sue if your consumer rights are violated. Compensation can reach up to $1000 for damages caused by collection harassment.
Want to Stop Girvin & Ferlazzo Debt Collection Harassment Now?
Possible grounds for lawsuits include harassment during calls, inappropriate contact times, and use of vulgar language or threats.