How HELPS Protects Its Clients
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HELPS Uses Federal and State Law To Protect Senior Citizens, Veterans and Legally Disabled Persons From Unwanted Debt Collection Contact.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive collection practices. The FDCPA also requires a debt collector who has received notice of legal representation must cease and desist direct contact with the person allegedly owing money. Some states have state law protecting their residents from unwanted debt collection contact.
To emphasize, the FDCPA provides that when a person is represented by an attorney, and debt collectors receive notice of this representation, debt collectors must cease and desist direct contact with the person. This means debt collectors can no longer call or send letters to the person with representation.
HELPS provides this type of representation for its clients. We represent senior citizens, legally disabled persons and veterans to receive debt collector contact on their behalf. Our clients have incomes like Social Security or Veterans Benefits that are federally protected for the purpose of ensuring use of these funds to meet basic needs like food, medication and housing. With our representation, our clients can use these incomes without having to endure debt collector harassment.
Learn More About How HELPS CAN HELP restore your financial peace of mind.