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Debt and Credit Law

Louisiana Collection Attorneys Assist Creditors and Debtors

Experienced attorneys get professional results in collection cases

Samuel J. Ford, Esq. is trusted by clients across Louisiana to help creditors and debtors deal with collection issues. We provide legal advice and litigation services at every level of state and federal court. We have successfully helped a wide variety of creditors — including banks, businesses, corporations, attorneys, accounts, landlords, real estate agencies, consulting firms and financing companies — collect the debts owed to them. We have also achieved excellent results for debtors seeking to settle accounts, discharge debt, end harassment, or pursue damages for unlawful collection tactics.

New Orleans attorneys committed to providing results

Are there inaccurate items on your credit report? Have tried to dispute these items but to no avail?

Unfortunately, the credit bureaus, Equifax, Experian, and Transunion, do not always treat consumer disputes fairly. Luckily, the Fair Credit Reporting Act provides consumers a weapon against unfair credit reporting practices. If a credit bureau fails to properly re-investigate an account you disputed, you may be entitled to damages as well as the costs and attorney’s fees associated with an action brought against the bureau. This means our attorneys could represent you in a claim against the bureaus at no out-of-pocket cost to you! Give us a call at 833-545-2852 for a free consultation.

Has your credit score decreased and you don’t know why?

As you may know, when companies obtain and review your credit report as part of a credit transaction, known as a “hard pull,” it can lower your credit score. What you may not know is that consumers are finding more and more companies are performing hard pulls on their credit report without their consent or a permissible purpose. This is illegal. If you see an unknown company has done a hard pull on your credit report, give us a call at 833-545-2852. You may be entitled to damages as well as the costs and attorney’s fees associated with a claim. This means our attorneys could represent you at no out-of-pocket cost to you! Give us a call at 833-545-2852 for a free consultation.

Is a collection account killing your credit score?

There may be a way to fix the problem. Samuel J. Ford, Esq offers free credit reviews and can offer guidance to solving credit problems. If there are inaccuracies in the reported information, a well-prepared dispute may trigger the item’s removal. If you have disputed the account with the debt collector or original creditor, it should be reported as disputed on your credit report. If the debt collector failed to send you required notices, you may be entitled to relief. Our attorneys use consumer protection laws such as the Fair Credit Reporting Act and Fair Debt Collection Practices Act to leverage removal of negative items, release from outstanding debt, and even monetary damages for our clients. Give us a call at 833-545-2852 for a free consultation.

Are you sick of harassing calls from debt collectors? Have you told a debt collector to stop calling yet the calls continued?

The Fair Debt Collection Practices Act (FDCPA) prohibits unfair and harassing collection conduct. Debt Collectors are prohibited from engaging in any collection conduct the natural consequence of which is to harass, oppress, or abuse the consumer. Further, debt collectors cannot cause a consumer’s phone to ring repeatedly or continuously with the intent to annoy the consumer. Many courts have determined that a collector calling a consumer repeatedly, after the consumer demanded the calls stop, is harassing and violates the FDCPA. If this has happened to you, you may be entitled to monetary damages as well as any costs and attorney’s fees associated with your claim for damages. This means our attorneys could represent you at no out-of-pocket cost to you! Give us a call at 833-545-2852 for a free consultation.

A collection agency is collecting a debt I don’t owe. What should I do?

This question plagues Louisiana consumers as aggressive and unreasonable debt collectors attempt to collect from anyone they think likely to pay. Luckily, it’s a violation of federal law to falsely represent the amount or character of a debt, or to collect amounts not authorized by contract or law. This is thanks to the Fair Debt Collection Practices Act, which regulates the conduct of debt collectors nationwide. If you believe you have a claim under the Act, you may be entitled to monetary damages as well as any costs and attorney’s fees associated with your claim for damages. So, what should you do if you receive a collection call or letter for amounts you don’t owe? Contact Samuel J. Ford, Esq. We can represent you at no out-of-pocket cost to you! Give us a call at 833-545-2852 for a free consultation.

Protecting debtors from abusive debt collection tactics

Samuel J. Ford, Esq. works with businesses and consumers to resolve burdensome debt through settlement negotiations, loan workouts and bankruptcy. Additionally, we are often deeply troubled by stories we hear about harassing and unlawful collection practices. If you are a consumer facing abusive collection tactics, Samuel J. Ford, Esq. can help. State and federal law govern the collection of debt. When creditors violate these laws, we hold them accountable. For example, the Fair Debt Collection Practices Act (FDCPA) prohibits creditors from engaging in abusive practices to collect debts, including:

  • Harassment — Debt collectors are legally prohibited from acting with harassing behavior, including:
    • Threatening you with violence
    • Publishing your name
    • Using obscene or profane language
    • Calling you repeatedly to annoy you
  • False statements — Debt collectors are legally prohibited from lying, including:
    • Falsely representing themselves as attorneys or government agents
    • Claiming you owe more money than you do
    • Misrepresenting that the nature of papers they send you are legal if they are not
    • Stating that you will be arrested
    • Saying that they will seize assets unless they are legally permitted to do so
    • Threatening to take legal action if they lack legal grounds or do not intend to do so
  • Deception — Debt collectors are legally prohibited from using deceptive means, which include:
    • Sending you a document designed to appear as if it is from a court or government agency when it is not
    • Providing a third party with false credit information about you
    • Using a false name
  • Unfair practices — Debt collectors are legally prohibited from engaging in unfair practices, for example:
    • Collecting fees or interests not authorized by law or contract
    • Depositing a post-dated check prior to the date indicated
    • Illegally taking property
    • Contacting you by postcard

Consumers may sue abusive collectors for damages

Our attorneys analyze whether the collectors violated the FDCPA and other Louisiana and federal laws. We guide you in the collection of evidence, and establish a case against the abusive debt collectors. While we put an end to the harassment, we can also assess your debt to determine whether settlement negotiations or bankruptcy may be options for the long-term resolution of your financial troubles.

Contact an experienced debt collection attorney in Louisiana

Samuel J. Ford, Esq. is located in New Orleans and represents creditors and debtors throughout Louisiana. Call Samuel J. Ford, Esq. at 833-545-2852 or contact us online to schedule your consultation.

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Office Location
  • New Orleans Office
    909 Poydras Street
    Suite 1100
    New Orleans, Louisiana 70112
    Phone: 504-684-5200