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Firm Overview

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.

  • 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 wage garnishment

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

  • Accusations of crime

  • 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

  • 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