Stop Debt Harassment
If you are being harassed for debt by any of the companies below, please reach out to us and let us know so they can be reported. If you do not see the debt collection company listed that is harassing you, please submit and we will ensure that it will be included in our list. It will be monitored and your complaint will be filed for the debt collection agency.
List of Debt Collection Agencies
Girvin & Ferlazzo
Girvin & Ferlazzo was founded in 1991 and is located in Albany, New York. Girvin & Ferlazzo is a full-service general practice law firm. As per their website, the firm specializes in Education, Public and Private Sector Labor and Employment, Litigation, Personal Injury, Medical Malpractice, Real Estate, Corporate/Business Law, and Debt Collection.
20 Corporate Woods Blvd.
Albany, NY 12211
Do You Want Your Collections Removed Today!
Additional BBB Reviews
Complaint Type: Billing/Collection Issues
Kristie (or Christie) called my home number (972-********) from Girvin & Ferlazzo and requested that I verify my name and my birthday was July 1965. My birth year is not 1965, but I was not going to confirm or deny any information to these people. She would not give me any additional information as to why she was calling or why I needed to verify myself or my birth information. I asked for her name, company name, and telephone number and called back to see if she would answer and she did. This is the second time someone has called me from this company. I need to know why they are contacting me and if this call is legitimate. Also, the calls need to stop. This company appears to be a problem with other consumers. I hope they are not allowed to put any false information on my credit report. Thank you.
Complaint Type: Billing/Collection Issues
I have no knowledge of this debt it just showed up on my credit report being opened in November 2020 by ***** financial services llc i disputed this debt with all three credit beau. I want this company to remove this debt from my credit report.
Complaint Type: Billing/Collection Issues
This company is a debt buyer I asked them to validate this debt that I owe them But they couldn’t come Up with that. They said I paid 1203 to someone else but couldn’t provide that info. The original Debt was a company called ***** and they couldn’t provide me with documentation for why I owe them 1667 I would like this removed from my credit report and these people to stop contacting me.
Can Girvin & Ferlazzo collections be removed from my credit report?
Depending on the situation, it is possible to have your collections removed, settled, or improved. It is best to have your account reviewed with Girvin & Ferlazzo so the best course of action can be taken. Contact us today, so we can see how we can help.
Should I contact or pay Girvin & Ferlazzo?
Speaking to a collection agency can be harmful. Making payments on the collection account resets the clock. It could make it worse. Of course, there are times when it’s best to pay the collection account, especially if it’s new and you’re sure it’s legit.
The best way to deal with a debt collector is to work with a professional credit repair service. They have deleted millions of negative items from companies like Girvin & Ferlazzo for millions of clients nationwide.
And they can help you too.
Common mistakes that may further deteriorate your credit are direct communication with the collection agency. This action leaves you vulnerable to making unnecessary payments to the collection agency, which reverts your efforts to the drawing board. Contact will be made on your behalf through a verified professional credit repair service. The Consumer Protection Group offers a full range of credit repair services to benefit consumers who have been mistreated by the credit and collection industry aGirvin & Ferlazzot their consumer protection rights. Contact us today for help.
Will Girvin & Ferlazzo sue me or garnish my wages?
The probability is minimal, but you need Consumer Protect Group to remove this uncertain burden from your workload to reduce this risk. They will filter your impending dispute and possibly indemnify your credit report. This quality work will prevent future conflicts and encumbrances.
To improve your credit score, contact us to allow them to intervene and avert lawsuits aGirvin & Ferlazzot you. Additionally, they will clean up your credit report for safer and uninterrupted money management. We will be your friendly vigilant aGirvin & Ferlazzot negative items on your wage credit.
What is Wage Garnishment?
Wage garnishment is a court-ordered method of collecting money from an employer by taking some or all of an employee's paycheck. This strategy of the collection has controversial consequences depending on the state government. Therefore, its jurisdiction is nullified and illegal within states aGirvin & Ferlazzot wage garnishment.
Subsequently, it is illegal for any claims of foreclosure or auctioning your property by Girvin & Ferlazzo. These threats are unauthorized due to the nature of your involuntary towards paying off your debt.
Girvin & Ferlazzo, Complaints
You should consider filing a complaint if a collector harasses you. You will have an advantage of support from the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) as they condemn any form of harassment during collection. Inaccurate data provide grounds for these Bureaus to fill complaints aGirvin & Ferlazzot the collection agency. While filing complaints, you will be protected from the collectors using intimidation tactics and harassment.
The Fair Credit Reporting Act (FCRA) provides consumer protection from harassment of false accusations and stops deb harassment. Girvin & Ferlazzo, LL understands this particular law; thus, you need Lexington Law to challenge your collectors equally.
How Collections Affect Your Credit
There are several ways to harm your credit score, whether intentionally or unintentionally. Failure to make regular agreed payments could result in a collection from a bank or creditor, and overspending one's allowed credit limit would bring about a higher interest rate. Late payments could result in credit history reductions and, eventually, collection practices.
The collection agencies correlate with each other through advancing credits as insurance. If your account happens to raise a red flag during such transactions will stain your credit score. Without your dispute or defense aGirvin & Ferlazzot these accounts, your ability to renew credit will be crippled and turned impossible.
Your Rights When Dealing with Girvin & Ferlazzo, P.C.
The United States government has set strict restrictions and procedures that limit the activities of the collectors towards settling their dues. Fundamentally, the Fair Credit Reporting Act shields you from any form of inhumanity or abuse from your collectors. It provides a neutral ground for settlement without handicap situations. The FCRA has provided your consumer rights as follows but not limited to:
- All personal data are insured and heavily protected. Such data includes credit card stats, mortgage loans, overdrafts, and billing reports.
- Girvin & Ferlazzo must be confined in you, where they cannot publically name you as a debtor. It restricts them from constantly communicating with you to harass or criticize your credit report.
- Girvin & Ferlazzo must prove its legality to collect a debt. It implies that they need to, orally and through writing, recognize themselves as authorized to conduct their collection activities. It prevents cases of fraud through honesty and integrity of work.
- Your credit report should be free from inappropriate data insinuated by Girvin & Ferlazzo. It is a legal violation with grounds for lawsuits aGirvin & Ferlazzot them.
- FCRA provides 30 days for the collectors to prove their claims to your credit report. They are tasked with the duty of enlightening you on whether payment is your sole responsibility. It entails debt validation, failure to which collectors may face legal action.
- You bear freedom from false arrest in the hands of Girvin & Ferlazzo. FCRA restricts any legal action unless a court is involved.
More Tips on Dealing with Girvin & Ferlazzo.
Avoid direct communication. The collectors will try hard to communicate with you over the phone as a tactic to trap you. It would be best to curtail communication to prevent them from profiling you in their records.
If Girvin & Ferlazzo is persistent, politely inform them that you strictly demand all conversations in writing. Request for a formal letter to validate their claims. You can freely ignore their ignorant calls once you have passed the legal information.
Acquire hard evidence of communication. You must record the call if the conversation needs to be through a phone. Secretly recording the discussion has been authorized in over thirty-five states as a self-defense mechanism.
However, some states specifically require you to gain permission from the other party to record. If you inform them that you intend to register during the conversation and continue to talk, it amounts to consent to record. It is rare as they always hang up to escape the spotlight.
Do not act guilty. You should not attempt to hide any assets or money from a legitimate collector. It amounts to fraudulent claims if you legally own them. You need to avoid providing personal details such as financial status or associated bank details.
Do not give them the benefit of the doubt. Do not believe their story on the phone. Do not be fooled by the stories of the compassionate owner.
Do not give them false information. If they ask for personal details such as family details, it is a requirement that you provide only the facts accurate to your knowledge. Please do not make up your background to convince them of your status, especially when they are persistent in harassing calls and collection letters.
Do not allow them to bully you into decisions. They may not disclose their intentions of contacting the authorities. However, this is an alarm for you to take legal action aGirvin & Ferlazzot them.
Do not forget about their word. The collectors will offer several solutions to your problem, such as an apology letter, gifts, and cash incentives. It would help avoid any solutions mentioned in any collection letter from these perverts.
Never accept freebies from them. They are usually acting guilty when they want you to obtain compensation in return for your silence on filing a lawsuit aGirvin & Ferlazzot them.
What is Girvin & Ferlazzo?
Girvin & Ferlazzo specializes in debt collection. Many complaints aGirvin & Ferlazzot Girvin & Ferlazzo alleging violations of the Fair Debt Collection Practices Act (FDCPA). If a debt collector has contacted you, you should understand your rights before contacting them.
Is Girvin & Ferlazzo a Scam?
They’re legit. Girvin & Ferlazzo is a legitimate company that collects debt. We caution individuals to contact them directly regarding their debt or simply write off Girvin & Ferlazzo as a scam.
Many complainants, however, feel as though Girvin & Ferlazzo may have helped their client but at the same time have violated the FDCPA.
Who does Girvin & Ferlazzo collect for?
They may have different clients such as credit card companies and student loans. If they have contacted you, it is likely due to an alleged student loan debt. Therefore, the alleged debt they may be contacting you about likely comes from one of these listed area of collection. If this collections company has approached you, you can contact us for help.
It would help avoid duplication during outsourcing if you dealt with any outstanding debts. It can cause financial problems while applying for loans as the alledged debt will haunt your credit score.
How many complaints aGirvin & Ferlazzot Girvin & Ferlazzo?
There are many online complaints filed aGirvin & Ferlazzot Girvin & Ferlazzo. Their Better Business Bureau page contains many complaints, with Girvin & Ferlazzo holding a poor review score. Most of these complaints allege that Girvin & Ferlazzo violated the FDCPA and falsely reported debt.
Can Girvin & Ferlazzo Sue Me or Garnish My Wages?
Ultimately, it is illegal for Girvin & Ferlazzo to make empty threats to sue you or garnish your wages. It is normally prohibited for this collection tool to be used; however, please contact us as soon as possible to protect your assets.
Can you help me file a No Fee Lawsuit aGirvin & Ferlazzot Girvin & Ferlazzo?
Absolutely. You can sue a debt collector, but we recommend resolving before taking this action. This would be less stressful and allow for a better outcome in most cases.
Girvin & Ferlazzo. Calling You?
It would be best to accustom yourself to the provisions under FCRA to understand your consumer rights and the limits that the collectors have aGirvin & Ferlazzot you and your assets. Understand all supplementary sources of consumer rights, such as the Telephone Consumer Protection Act (TCPA), for an upper hand aGirvin & Ferlazzot them.
Can I sue Girvin & Ferlazzo for harassment?
You have the power and authority to sue Girvin & Ferlazzo. A breach of any of your consumer rights under FC5RA amounts to suing, which is the preferred mode of combating them. Compensation fees can amount to up to $1000 for citizens like you who suffer fraudulent effects. The federal law protects marginalized citizens such as you by wielding them with FCRA as a tool aGirvin & Ferlazzot collection harassment.
Want to Stop Girvin & Ferlazzo Debt Collection Harassment Now?
The following cases form grounds for lawsuits:
- If a collector calls you at inappropriate times of the day
- A collector contacting your kith and kin revealing personal matters
- A collector attempts to rip you off with more than you owe
- If a collector uses vulgar language during collection
- Collection activities involve violence, harm, or damage to property
- A collector falsely frames you for a federal crime you did not commit
- The collectors contacting your employers concerning your credit report
- Collector uses threats to scare you
- Collectors use prank calls to test your availability for communication
The above article is an informative tool to help you shield yourself aGirvin & Ferlazzot Girvin & Ferlazzo's harassment over collection. Contact us to help you clear your credit report and remove illegal items imposed on your credit score.
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Are You Being Harassed?
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