Frequently Asked Questions

What type of law does your firm practice?

We handle cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Telephone Consumer Protection Act (TCPA) and several other consumer protection related laws.  The FDCPA covers harassment or abuse inflicted by third party debt collection agencies, the FCRA covers any errors on consumer credit reports and the subsequent damage of said errors, and the TCPA entails various forms of unwarranted telephone communication.

How much will your legal representation cost me?

Upon case approval, legal representation comes at no cost.  Our clients enter into an agreement with our firm that clearly states our clients are not responsible for any legal fees accrued during litigation.  The defendant is always responsible for the payment of our legal fees.

If my case is accepted, what happens next?

Upon receipt of a signed contract, a civil complaint will be drafted and filed in United States Federal Court.  Our services do not concern the Better Business Bureau or Federal Trade Commission, as they are strictly a legal matter.

What is required of me as a client?

Warren Law Group, PC requires only that our clients be honest and available.  During consultation, it is always beneficial when a client is as thorough and sincere as possible.  Embellishment of the facts is not wise and never condoned or encouraged by our firm.  If your case is accepted, constant updates are provided to the client, so simply being available for phone calls or written communication is highly advantageous.

Will I have to travel?

Possibly.  Travel is unlikely, but on occasion it is required.  In the event of travel, all expenses are paid for by the firm.

How much can I potentially receive in a lawsuit stemming from FDCPA violations?

The maximum amount that a consumer can receive in an FDCPA related case is $1,000.  The Fair Debt Collection Practices Act only awards statutory damages, and contrary to popular belief, punitive damages are not covered under the act for individual matters.

How long will litigation take?

This question is dependent upon several facets.  Namely, the severity of the allegations, the particular agency involved, and the number of parties named as defendants..  As a general guideline, commencing from the date of filing, cases can take several months.

What happens to my debt after the case ends?

A collection agency will cease collection on your particular debt once they are notified of their involvement in a civil action.  When your case ends, and usually well before that point, the violating party will send the debt to a different, and hopefully more reasonable, collection agency.  In some cases, debt forgiveness is a reality, but this is dependent upon the gravity of the particular violations.

Does your law firm help with credit repair?

We do not repair credit, however, if you have inaccuracies on your credit report that need to be corrected and have damaged you financially in some way, your rights under the Fair Credit Reporting Act may have been violated.  The vast majority of our work is FCRA related and if you suspect that a recent denial for a credit card or loan is the result of erroneous credit reporting, please contact us.

I am in California, can you take my case?

Yes.  Your location is typically not a problem, but it depends entirely on the location of the collection agency involved.  If there are questions as to whether or not jurisdiction may be an issue, please call our office and a member of our staff will be able to assist you.