FDCPA - How long will this take?
Greg Artim and Clay Morrow
The answer to this question depends upon a number of factors. First and foremost is how strong is the evidence that we have that proves that a violation has occurred?
The gold standard is to have either a letter or a telephone message that contains a blatant violation of the FDCPA. "We are going to garnish your wages" or "We will put you in jail" is a sure winner every time, when it is put in writing or left as a telephone message.
Another factor that comes in to play is who the debt collector is. Certain collectors, namely the larger ones, realize that they are going to commit FDCPA violations and as such, are prepared for it. Often times, we can present a claim, research the issue, and then enter into a discussion with the debt collector's attorney.. On certain of these cases, we can present a claim and have a settlement within a matter of 2 weeks.
On other cases, where the debt collector is smaller or the evidence that we have is not as overwhelming, (perhaps a he said/she said scenario) there are times that the case takes a little longer.
All in all, we expect to resolve most claims within 120 days. While that cannot be a guarantee as to any individual case, it is a goal that we have set that we meet a high percentage of the time.
If you think that your rights have been violated by a debt collector, simply call our office at 412-281-1250 or 1-888-536-6644 or send an email to Morrow & Artim