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CEO: Jeff Wood
Led by Attorney Jeff Wood, who has over 15 years of experience in consumer protection law, our firm brings a deep understanding of the complexities of these legal areas. Mr. Wood’s extensive knowledge and strategic approach have resulted in successful outcomes for countless clients, helping them navigate the often confusing and intimidating world of consumer rights.
The Wood Law Firm Protecting Consumers' Rights Since 2011
Founded in 2011, The Wood Law Firm is a dedicated legal practice based in Arkansas, committed to defending the rights of consumers across the nation. With a focus on consumer protection, our firm has become a trusted advocate for individuals facing unfair practices in debt collection, credit reporting, and telemarketing.
F.A.Q.
What is the Fair Debt Collection Practices Act (FDCPA)?
The FDCPA is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. It regulates how debt collectors can interact with consumers and sets strict guidelines on their conduct.
Who does the FDCPA apply to?
The FDCPA applies to third-party debt collectors, including collection agencies, debt buyers, and attorneys who collect debts on behalf of others. It does not generally apply to original creditors collecting their own debts.
What types of debts are covered under the FDCPA?
The FDCPA covers personal, family, and household debts, such as credit card debt, medical bills, mortgages, and other consumer debts. It does not cover business debts.
What are debt collectors prohibited from doing under the FDCPA?
Debt collectors are prohibited from using abusive language, making threats, contacting you at inconvenient times or places, disclosing your debt to third parties, and engaging in deceptive practices, among other restrictions.
Can a debt collector contact me at work?
A debt collector can contact you at work unless they know or have reason to know that your employer disapproves of such contact. You can request that they not contact you at work, and they must comply.
How can I stop a debt collector from contacting me?
You can stop a debt collector from contacting you by sending a written request asking them to cease communication. Once they receive your request, they can only contact you to confirm there will be no further contact or to inform you of specific legal actions they plan to take.
What should I do if a debt collector sues me?
If a debt collector sues you, it’s important to respond to the lawsuit by the deadline. You may want to consult with an attorney to understand your rights and defenses.
What are my rights if a debt collector harasses or threatens me?
If a debt collector harasses or threatens you, they are in violation of the FDCPA. You can report them to the Consumer Financial Protection Bureau (CFPB), your state attorney general’s office, or consider filing a lawsuit for damages.
How can I verify that a debt collector’s claims are legitimate?
You have the right to request written verification of the debt within 30 days of receiving the initial contact from the debt collector. The collector must provide details such as the amount owed and the original creditor’s name.
Can a debt collector talk to others about my debt?
No, a debt collector is generally not allowed to discuss your debt with anyone other than you, your spouse, or your attorney. They may contact third parties only to obtain your contact information, and even then, they cannot disclose that you owe a debt.
Our Testimonials
Real Stories of Success and Satisfaction
We pride ourselves on the positive impact we’ve made in the lives of our clients. Here’s what they have to say about their experiences with Protection for Consumers.
