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Fredrick Schulman & Associates will represent you 100% free of charge. The law requires that debt collectors pay our fees. Abusive debt collectors are liable for up to $1000 in damages as well as court costs and attorney fees. Call 1-800-444-8731 now for a FREE case review with no cost or obligation.

Fredrick Schulman & Associates is a law firm based in Manhattan specializing in fair debt collection and fair credit reporting laws and issues. We protect the rights of consumers and small business people as they fall victim to abusive debt collection and credit reporting.

As specialists in the federal Fair Debt Collection Practices Act (the “FDCPA”) and similar laws, we assert our clients’ rights against unfair and abusive activity such as:

Anonymous calls from bill collectors.

Collection calls early in the morning or late at night (before 8 A.M. or after 9 P.M.)

Calls at work by collection agents (or attorneys), particularly after being told to desist

Harassment, intimidation, use of obscenities, or lies by collectors or attorneys

Threats of any action that is not taken or intended to be taken

Communications (or threats of same) to friends, family, neighbors, or co-workers

Not inform you that you have the right to dispute the debt

Threats of harm to you or your family, of appearing at your home, of lawsuit, or arrest

Threats of wage garnishmentt

Threats of negative credit reporting or to "ruin" your credit

Failure to report to credit agencies that a debt is disputed

Attempts to collect more than you owe, and adding undisclosed fees or costs to the debt.

Use of false names by collection agents

Collection efforts by an agent not licensed in that state

Attempts to collect a debt that has been discharged in bankruptcy

Attempts to collect an old debt when the statute of limitations has expired

Lawsuits in wrong jurisdictions

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100% free.

All representation is done
on contingency basis"

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