Freedom Litigation Legal Group PC

Many consumers face overwhelming financial pressure caused by debt, inaccurate credit reporting, or aggressive collection tactics. At Freedom Litigation Legal Group PC, we guide clients through these challenges with a structured, strategic approach designed to protect their rights and improve their financial outlook.
Our attorneys help clients:

• Respond to and stop unlawful debt collection communications
• Use federal consumer protection laws to dispute debt validity
• Review credit reports for errors and pursue corrections
• Challenge inaccurate or unverified debt information
• Represent clients in court when necessary to resolve debt disputes

Our mission is to deliver effective representation, reduce stress, and empower consumers with a full understanding of their rights under state and federal law.

The attorneys at Freedom Litigation Legal Group PC evaluate each situation and help clients determine the most appropriate course of action. When clients face repeated calls or messages from third-party collectors—whether related to credit cards, medical bills, auto loans, business debts, timeshares, private student loans, judgments, or lawsuits—our first step is to immediately send a Notice of Representation.
This legally requires debt collectors to communicate with us, not you, relieving pressure and preventing further
harassment.
As a nationwide consumer rights law firm, our practice is dedicated exclusively to defending and protecting consumers.
Our attorneys are licensed across the country and focus on stopping creditor abuse and violations of the:

• Fair Credit Reporting Act (FCRA)
• Fair Debt Collection Practices Act (FDCPA)
• Telephone Consumer Protection Act (TCPA)
• Credit Card Accountability Responsibility and Disclosure Act of 2009

We also advise clients when bankruptcy is the most practical and beneficial option based on their circumstances. Every consumer rights attorney at Freedom Litigation Legal Group understands the complexity of these laws and how to stop abusive practices quickly, effectively, and permanently. When creditors or collectors violate the law, our firm not only works to protect you—we fight to ensure that these practices are addressed so other consumers do not become victims. If a creditor is misreporting information on your credit report, or if collectors are contacting you improperly by phone, at home, at work, or through other channels, contact our team. A knowledgeable consumer rights attorney will help you explore your options.

When an account is placed with a debt collector, consumers often experience fear, confusion, and uncertainty. You may question whether the collector is legitimate, whether the account truly belongs to you, or whether the amount they claim is even correct.
Our attorneys work to stop harassing collection attempts and ensure every collector follows the law.
The Fair Debt Collection Practices Act (FDCPA) makes it illegal for collectors to threaten, intimidate, or harass you. In addition, the 2021 Debt Collection Rule further clarifies what collectors must disclose and how they may contact you, including the information they must provide about your rights and the underlying debt.
Collector Violations
The FDCPA protects consumers from unfair, abusive, or deceptive collection tactics. It applies to personal, family, and household debts and governs the conduct of collection agencies, debt buyers, and debt-collection law firms.
When contacting you, collectors must provide specific information—known as a validation notice—including:

• Debt collector’s name and mailing information
• Name of the current creditor
• Applicable account number
• Itemized breakdown of the amount owed, including interest, fees, payments, and credits
• Current amount due
• Clear explanation of your rights and how to dispute the debt

Under the FDCPA, collectors are prohibited from repeatedly calling you with the intent to harass, oppress, or abuse.
Collectors are presumed to violate the law if they:

• Call more than seven times in seven days about a specific debt
• Call again within seven days after speaking with you about that debt
• Contact you outside 8 a.m. to 9 p.m. (local time)
• Attempt to collect on an expired (time-barred) debt
  • In California, the statute of limitations is typically four years from default
• Contact you at work after you’ve asked them not to
• Disclose your debt to friends, family, employers, or others
• Use threats, abusive language, or harassment
• Misrepresent the debt in any way

Note: Call-frequency limits apply to phone calls only. Texts, emails, and other communications have their own rules.
If any of these violations occur, contact Freedom Litigation Legal Group PC immediately.

Before reporting an account, collectors must either:

• Reach you by phone or in person, or
• Send you a letter or electronic message and wait 14 days to ensure it is not returned as undeliverable

A validation notice generally satisfies their obligation to contact you—after which they may report the account, provided they comply with credit reporting laws.

Collectors may contact you through social platforms, but they must:

• Keep messages private (never public or visible to others)
• Identify themselves clearly as debt collectors
• Provide an easy way for you to opt out of future social-media communication

Any violation of these rules is grounds for action under consumer protection laws.