Steffens Law Office provides clients with call log sheets for a couple of different reasons.  Please call us for a call log at (308) 872-8327.  Once a client has retained Steffens Law Office, the client may provide attorney information to collection agencies in order to stop collection calls until the bankruptcy is filed.  Also, if a collection agency continues to call the client after attorney information is provided or if a collection agency’s behavior constitutes harassment, a call log is an essential document for use in a FDCPA (Fair Debt Collection Practices Act) lawsuit against a creditor.  It is illegal for a collection agency to call a consumer after the collection agency knows the consumer is represented by an attorney, and illegal to harass the consumer as well.

We realize that it can take time for our clients to pay their bankruptcy fee in full, which is when the bankruptcy case may be filed.  Once a client has made a payment toward their bankruptcy fee, our Nebraska law office has been retained as the client’s attorney.  Our office will represent you while you are preparing to file your bankruptcy, the filing of the bankruptcy and throughout the duration of your bankruptcy case.

ONCE STEFFENS LAW OFFICE HAS BEEN RETAINED, THE CLIENT SHOULD START ANSWERING THE PHONE AND SHOULD PROVIDE THE CREDITOR WITH THE ATTORNEY CONTACT INFORMATION!  Collection agencies are not expected to know you have retained an attorney unless you tell them.  Each call should be recorded on the call log sheet.  You want to indicate on the call log sheet the date of the call, the creditor’s name, the phone number and a brief description of the call.  Please call us for a call log at (308) 872-8327.  A call log sheet is also a great way at identifying a third party debt collector you may not have knowledge about.  We recommend you provide the following information to the creditor: 

I have retained an attorney for the purpose of filing bankruptcy.  My attorney represents me on all of my debts, including the one you have called me about.  My attorney’s information is:  Steffens Law Office, (308) 872-8327.  You are no longer authorized to contact me.  Please contact my attorney, and don’t call me again.

If the creditor asks for your case number, please inform them that you will not have a case number until you actually file the bankruptcy.  Sometimes the creditor will refuse to take the attorney contact information.  That’s fine; just note that on the call log sheet.  ONCE YOU PROVIDE YOUR ATTORNEY INFORMATION IT IS A VIOLATION OF THE FDCPA FOR THAT COLLECTION AGENCY TO CONTINUE TO CONTACT YOU!  We cannot help you unless you have recorded the communication on your call log sheet.  Even better, see if you can record the telephone conversation with your cell phone or a hand-held recorder.

If a collection agency continues to call after attorney information is given, you should contact Steffens Law Office to discuss whether a creditor has violated debt collection law.  If you feel harassment is taking place, make sure to document it on your call log sheet.  You will also want to gather as much information as you can from the creditor and save any voice messages.  If you have questions, always feel free to call or email Nebraska Bankruptcy attorney Jeremiah Luebbe at the Steffens Law Office.  Few other Nebraska bankruptcy attorneys possess Jeremiah’s knowledge, and legal experience, in FDCPA claims.

If you are being harassed by a creditor, you may have a cause of action against that creditor (lawsuit).  Nebraska bankruptcy attorney Jeremiah Luebbe will discuss your options with you.  Should you have a case, you will not be charged attorney fees.  If a creditor is found liable for harassment, they must pay your attorney fees and costs of the action as well as pay you damages.  No money will come out of your pocket.  Steffens Law Office takes these cases on a contingent fee basis.  If there is no award, you owe us nothing.  If the Steffens Law Office is able to win an award for you, Steffens Law Office will be paid a fraction of the total amount—you keep the rest.

Collection agency harassment is not rare.  It happens often.  Steffens Law Office regularly pursues creditors for illegal debt collection harassment.  Debt collectors that violate state and federal debt collection law have to pay you for ignoring consumer protection laws. Contact our Nebraska law office today!

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