My name is Floyd W. Bybee and for over 25 years I have helped consumers throughout the State of Arizona who are victims of debt collection abuse. In short, I sue debt collectors.
The federal Fair Debt Collection Practices Act or FDCPA regulates what a collection agency can or cannot do. It specifically prohibits collection agencies and collection law firms from harassing or abusing Arizona consumers. Even if the debt is owed and not disputed, the FDCPA prohibits a collection agency from engaging in any harassing or abusive conduct. It also prohibits a debt collector from making false representations to coerce payment of a debt.
How I Can Help You.
Arizona consumers are entitled to recover damages, including statutory damages of up to $1,000 from a collection agency who violates the FDCPA.
Over the past 20 years, I have helped hundreds of Arizona consumers recover damages from abusive debt collectors who have chosen to engage in illegal debt collection practices.
If you are a victim of collection harassment, I invite you to call our office to schedule a consultation. I am dedicated to protecting you and recovering just compensation for these unlawful practices!
FIRST - Go to the contact page and tell me about your situation. I will follow up with you and you may qualify for a free telephonic or in office consultation.
SECOND - Provide me with the needed information to analyze your situation and develop a plan to resolve it.
THIRD - Solve the Problem!
If you have suffered at the hands of combative, disruptive debt collectors, I can help.
Our office is located at 90 S. Kyrene Rd Ste. 5 Chandler, AZ 85226-4687 just off the 202 and Kyrene Road in Chandler.
Please call 480-756-8822 to set up an appointment.
hAVE YOU BEEN SUED BY AUTOVEST?
Autovest LLC has filed hundreds of lawsuits against Arizona debtors to collect deficiency balances on vehicles which were repossessed years ago. In many of the cases I have seen, the statute of limitations has passed. Meaning, you would have a complete defense to Autovest’s claim. Under Arizona law, an automobile lender generally has only four years after the repossession to file suit to collect any remaining balance. If it waits four years and 1 day, it is too late and you can get the case dismissed
fAIR DEBT COLLECTION PRACTICES ACT
The Fair Debt Collection Practices Act or "FDCPA" is a federal statute that governs the debt collection industry. That means that it protects you as an Arizona consumer. The act was passed in an effort to create a civil environment in the collection of debt, as an attempt to reduce bankruptcy filings and to prevent unfair or abusive collection methods.
DEALING WITH A DEBT COLLECTOR
1. Send a letter that says "I dispute the debt" and that you require validation of it.
2. Send the letter certified. You want to be able to prove that they received it.
3. Keep copies of all written communication both to and from...