If a debt collector violates your rights under the Fair Debt Collection Practices Act (FDCPA), the law gives you standing to sue the debt collector for damages in federal court. If you prevail in court, the debt collector may be liable to pay you as much as $1,000 per violation. And, based on the description of your experience, they committed many FDCPA violations. The FDCPA forbids debt collectors (whether they're lawyers or not) from divulging anything about you to a third-party -- even if that third-party is the consumer's relative. So if these shysters told your relatives why they were looking for you or anything else about you, then they broke the law. The FDCPA also forbids debt collectors from making false threats, such as threatening to arrest you or threatening to sue you when they have no intention of suing. And the FDCPA requires that a debt collector treat you respectfully and not harass you.
Here's the business information on the shady operation that contacted you:
Paul Law Office PLLC
Tracy Paul, Utah Bar Member ID: 07594
http://www.myutahbar.org/PublicDirectory/PublicDirectory.aspx?m=07594
230 W. 200 S. #3301
Salt Lake City, UT 84101
Phone: (801)466-2130
Fax: (801)466-2059
Additional Addresses
PO Box 3536
Salt Lake City, UT 84110
Tel: (800) 647-0807
Additional Phone Numbers
Tel: (866) 507-5050
Principal: Mr. Mike Law, Controller
Customer Contact: Mr. Mike Law, Controller - (800) 647-0807
Email Address:
[email protected]
(Note: The Utah Better Business Bureau gives Paul Law Office an "unsatisfactory rating" and notes that it also operates under the names "Tracy Paul" and "Archer Financial Services". See http://utah.bbb.org/WWWRoot/Report.aspx?site=139&bbb=1166&firm=22007919 )
Here's what you should consider doing:
1) File a complaint online with the Federal Trade Commission at https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en (Be sure to list both Gillette & Paul and Paul Law Office, and the let the FTC determine which crook actually called you.)
2) File a complaint against Paul Law Office with your state's attorney general, the contact information for whom is at www.naag.org
3) Email or call the Utah Attorney General with your complaint against Paul Law Office:
General Office Numbers: (801) 366-0260, (801) 538-9600, (801) 366-0300
Toll Free within the State of Utah: (800) AG4 INFO (244-4636)
E-Mail:
[email protected]
4) File a complaint with the Better Business Bureau against Paul Law Office: https://odr.bbb.org/odrweb/public/GetStarted.aspx
5) Sue for damages. Many consumer law attorneys work on contingency, so don't worry about not being able to afford legal help. There are many such lawyers who practice in this area and would, I'm sure, be very interested in pursuing the matter on your behalf. For more information on suing outlaw debt collectors, check out these websites:
http://www.naca.net/debt-collection-abuse/
http://www.fairdebtlawyers.com/
http://www.myfairdebt.com/
http://attorneysforconsumers.com/
http://www.westcoastlitigation.com/
http://www.theadvocateslaw.com/
http://www.consumercounselgroup.com/
http://www.budhibbs.com/First.htm
http://www.creditlawnetwork.com/
Hope this helps.