ID

David S. Osterman, Esquire

Appointments are available in Manchester, Concord, and Allenstown.

65 Pinewood Road, PO Box 199
Allenstown, New Hampshire 03275-0199

Tel: 603-485-9144
Toll Free: 866-855-2999
Fax: 603-485-5311

YOUR RIGHTS UNDER THE FEDERAL LAW

The Fair Debt Collection Practices Act (FDCPA) is a United States statute added in 1978 to the Consumer Credit Protection Act. Its purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in […]


July 18th, 2012 - By admin

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DEBT COLLECTORS ARE NOT ALLOWED TO:

Contact consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time; Continue to communicate with you after you ask them to stop doing so.  Communicating with consumers in any way (other than litigation) after receiving written notice that said consumer wishes no further communication or refuses to pay the alleged […]


July 18th, 2012 - By admin

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Debt COLLECTORS ARE REQUIRED TO:

Identify themselves and notify the consumer, in every communication, that the communication is from a debt collector, and in the initial communication that any information obtained will be used to effect collection of the debt; Give the name and address of the original creditor (company to which the debt was originally payable) upon the consumer’s […]


July 18th, 2012 - By admin

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HOW NOT TO COLLECT A DEBT

FDCPA VIOLATION IN THE NEWS A Texas woman has filed a lawsuit against Capital Management Services, a national collection agency.  Capital Management Services is alleged to have contacted the Plaintiff after she sent them a cease and desist letter.  This singe violation, if proved, is enough to trigger the Plaintiff’s rights under the FDCPA (Fair […]


May 2nd, 2012 - By admin

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