Your Debt Collection Rights
- Gather the facts
- Contact your attorney
- Know your rights
- Contacting you if you are represented by an attorney
- Harassing you into making payments
- Lying to you
- Harassment – Debt collectors may not harass, oppress, or abuse you or any third parties they contact. This includes threats of violence or harm, obscene or profane language, using the telephone to harass debtors by calling anonymously or making repeated or continuous calls.
- False statements – Debt collectors may not use any false or misleading statements. This includes misrepresenting the amount of your debt, using a false name or identification, misrepresenting the amount of the debt or its judicial status, sending documents to a debtor that falsely appear to be from a court or other official agency, failing to identify who holds the debt, misrepresenting the nature of the services rendered by the collection agency or the collector, falsely representing that the collector has information or something of value in order to discover information about the consumer.
- Unfair practices – Debt collectors may not engage in unfair practices when they try to collect a debt. This includes trying to collect any amount greater than your debt, threatening arrest of the consumer, or repossession or other seizure of property without proper court proceedings, falsely accusing the consumer of fraud or other crimes, making collect telephone calls without disclosing the true name of the caller before the charges are accepted.
- They Ask for Info They Should Already Have – Real debt collectors already have your information. But debt collection scammers, may not. If the collector doesn’t seem to know enough about you, they’re probably a scammer.
- They Won’t Share Their Info with You – Whenever someone tries to collect a debt, ask for all of their company’s information, including:
- The collector’s full name
- Company name, address, phone number, website, and email
- They Threaten or Lie to You – Remember, under the Federal Debt Collection Practices Act and Texas Debt Collection Act, debt collectors are prohibited from lying, harassing, and using unfair collection methods.
- They Insist You Pay Right Now – Scammers survive by getting people to pay fake debts before they have a chance to realize they’re being scammed. So if a debt collector demands you to pay immediately, be very cautious.
- They Ask You to Pay by Untraceable Methods – Scammers often insist you make a payment by Visa gift card, iTunes gift card, wire transfer—or some other untraceable method. Real debt collectors, on the other hand, will accept normal, trackable payments (e.g., check, traditional credit card, etc.).
Throw back Thursday. In 1998, the attorneys and staff of Waldron & Schneider broke ground at the current location. ... See MoreSee Less
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I remember that! Loved working there ❤️
I've never seen this before!
Makes me sad. But love it
Randy and Robbye ❤️
Oh wow!
Partner Kimberly Bartley writes about why a business may need a risk assessment policy in her blog.
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Why do I need a Risk Assessment Policy?
www.ws-law.com
Risk Assessment Policies are a great tool to help business define areas of risk or vulnerability, both to their staff and customers.Partner Richard Simmons with his wife Jennifer and State Rep. Dennis Paul at the Space Center Rotary LEAP awards ... See MoreSee Less
Congratulations to partner Richard Simmons’ son Jacob and the Lakers for winning the Clear Lake Boys Basketball 2023 Championship. ... See MoreSee Less
Associate Attorney Shawn Williamson and his wife Kim Williamson attended the Economic Alliance Houston Port Region Annual Membership Banquet with Royal Harbor Partners Wealth Management Firm. The Economic Alliance brings together the industries main players and members of the Economic Alliance. Waldron and Schneider was honored represent the firm and it's commitment to the local economy and its businesses, small and large. ... See MoreSee Less