FAQs

Q: What is the Texas Debt Collection Act (TDCA)?

The TDCA is a Texas state law that regulates the actions of debt collectors , outlining what they can and cannot do when trying to collect a debt.

Q: Can a medical debt collector keep calling me if I tell them to stop?

Under the FDCPA and TDCA , you have the right to tell a debt collector to cease communication with you by sending a written request.

Q: What should I do if I receive a medical bill that I believe is incorrect?

You should contact the medical provider immediately to inquire about the discrepancy and request an itemized bill. If the issue persists, you can also dispute the debt in writing with any collection agency involved.

Q: What are my rights when a debt collector contacts me about a medical bill?

You have rights under the FDCPA and TDCA , which protect you from harassment, false or misleading representations, and unfair collection practices.

Q: What should I bring to a consultation with your firm about potential FDCPA violations?

It is helpful to bring any letters, emails, voicemails, call logs, and any other documentation you have received from the debt collector. This information will help us assess your case and provide you with the best legal advice.

Q: How can J. Gannon Helstowski Law Firm help me with FDCPA violations?

Our firm can analyze your situation for FDCPA violations , send cease and desist and debt validation letters on your behalf, represent you in negotiations , and file lawsuits against violating debt collectors to seek compensation for the harm they have caused [See "Suggested Ways J. Gannon Helstowski Law Firm can help consumers with FDCPA Violations" section above, drawing from multiple sources]. We are experienced in consumer protection law and dedicated to protecting your rights.