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Credit Reporting Problems
Consumer Fraud
Unlawful Debt Collection
For information on post-bankruptcy credit reporting problems, click here.
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The problems of harassing debt collection and collection attempts on bills that are not owed resulted in legislation by both Congress and the Oregon Legislature, in the form of the federal Fair Debt Collection Practices Act, and the Oregon Unlawful Debt Collection Practices Act. Both consumer statutes are premised upon the same fundamental principles that, first, collection agencies should only attempt to collect (or "dun") valid debts, and second, that dunning should be conducted in a professional, non-abusive manner.
In general, if a consumer disputes a debt in writing, the collection agency must provide the consumer with a verification of the underlying bills. If the debt is not owed, consumers should inform the collection agency and request that collection attempts be terminated. Continued dunning is potentially in violation of debt collection laws.
Even where a consumer does owe a debt, they have a right to be treated respectfully, and not to be harassed. Collectors cannot use profanities, threats of physical harm, or threaten to take actions that they cannot lawfully take. Collectors also cannot call debtors at work if they are asked not to, and cannot talk to co-workers or supervisors about the debt.
Baxter & Baxter, LLP, is able to represent consumers in credit reporting cases and unlawful debt collection cases in Oregon, in Baker County, Benton County, County, Clatsop County, Columbia County, Coos County, Crook County, Curry County, Deschutes County, Douglas County, Gilliam County, Grant County, Harney County, Hood River County, Jackson County, Jefferson County, Josephine County, Klamath County, Lake County, Lane County, Lincoln County, Linn County, Malheur County, Marion County, Morrow County, Multnomah County, Polk County, Sherman County, Tillamook County, Umatilla County, Union County, Wallowa County, Wasco County, Washington County, Wheeler County, Yamhill County.
Baxter & Baxter, LLP, is able to represent consumers in credit reporting cases and unlawful debt collection cases in Oregon, in Adair Village, Adams, Adel, Adrian, Agate Beach, Agness, Albany, Algoma, Alicel, Allegany, Aloha, Alpine, Alsea, Alvadore, Amity, Andrews, Antelope, Applegate, Arlington, Arock, Ash, Ashland, Ashwood, Astoria, Athena, Aumsville, Aurora, Austin, Azalea, Baker City, Bandon, Banks, Barlow, Barview, Bay City, Beatty, Beaver, Beavercreek, Beaverton, Belknap Springs, Bellevue, Bend, Biggs, Bingham Springs, Birkenfeld, Blachly, Black Rock, Blalock, Blodgett, Blue River, Bly, Boardman, Bonanza, Bonneville, Boring, Boyd, Breitenbush, Bridal Veil, Bridge, Bridgeport, Brighton, Brightwood, Broadbent, Brogan, Brookings, Brooks, Brothers, Brownsmead, Brownsville, Burns, Burnt Woods, Butte Falls, Buxton, Camas Valley, Camp Sherman, Canby, Cannon Beach, Canyon City, Canyonville, Carlton, Carpenterville, Carver, Cascade Locks, Cascadia, Cave Junction, Cayuse, Cecil, Cedar 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