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Serving the COMMONWEALTH

Consumer Protection

Consumer Credit

Federal and state laws provide consumers with certain protections in connection with consumer credit transactions. Namely, federal and state "Truth-In-Lending" statutes requires lenders or creditors to accurately disclose credit terms to consumers prior to making a deal. Certain other statutes limit finance charges which can be lawfully assessed and some statutes prohibit unearned fees or kickbacks in connection with certain transactions.

Because this area of law is fairly complex and rapidly evolving, unlawful conduct on behalf of lenders or creditors often goes unnoticed in the fine print of loan papers. If you believe you were defrauded or misled by a lender, you may be entitled to relief. Call Kentucky Consumer Lawyers Zachary Taylor and Nina Couch at (502) 625-5000 today.

FAQ:

I’ve been denied credit, what can I do?

First, you should check your credit report to make sure that 1) nothing is reporting inaccurately, and 2) that someone else’s report isn’t pulling under your name. Inaccurate reports can include a wide range of inaccuracies, including that the agency is reporting a missed payment when there wasn’t one, or even reporting a single missed payment multiple times. If you believe there is even a possibility of an inaccuracy, consult an attorney today.

My credit report is wrong, what can I do?

Call the attorneys at Taylor Couch, PLLC today so that they can help you dispute the incorrect reports. Reporting agencies have 30 days to conduct a reasonable investigation into the disputed item. It is imperative that during this period you maintain adequate records.

How long can credit reporting agencies report a debt?

Credit report agencies can report a debt for up to 7 years.

Consumer Credit Resources

Legal Aid Network of Kentucky
Truth-in-Lending Act (TILA)
Housing and Urban Development (HUD) RESPA Home Page

Fair Debt Collection Practices Act

The federal Fair Debt Collection Practices Act (FDCPA) forbids debt collectors, including attorneys and law firms, from engaging in abusive, unconscionable, and unfair debt collection practices, such as calling your home or work frequently at inconvenient times, engaging you in abusive conversation, or seeking to collect unlawful charges, such as certain "collection fees". The attorneys at Taylor Couch, PLLC can help you stop debt collectors from violating your federal rights. Taylor Couch, PLLC focuses on helping his clients protect themselves from abusive or deceptive debt collectors and may be able to assist you.

If you have unpaid medical bills or have fallen behind on payments on credit cards or an auto or home loan and you are being pursued by a harassing debt collector or law firm, you may be entitled to relief. The attorneys at Taylor Couch, PLLC may be able to help you understand your rights, obligations, and options.

Perhaps you've lost your job or can no longer work due to disability or personal injury. Perhaps you think you cannot afford to hire attorney to represent you. At our law office, we offer alternate fee structures and flexible payment arrangements, and we may be able to assist you. Call Taylor Couch, PLLC at (502) 625-5000 today!

Fair Debt Collection Resources

Complete Copy of the Fair Debt Collection Practices Act
Federal Trade Commission : FDCPA Links
Legal Aid Network of Kentucky

Debtor rights- what are they?

Debt Collectors are not allowed to harass or abuse debtors. Having an unpaid debt does not entitled debt collectors to harm or embarrass you. If you think that a debt collector is harassing you, please contact us today.

FAQ:

Are debt collectors allowed to collect more than I owe?

No, in most cases debt collectors are not allowed to collect more than the original bill amount. If debt collectors are attempting to collect an interest, collection or attorney fee, please contact us immediately.

I just received a debt collection letter that is attempting to collect more than I owe, what can I do?

Contact Taylor Couch, PLLC to help you as soon as possible. There are technical steps that need to be taken to ensure that you aren’t being taken advantage of, including a debt validation request. The attorneys at Taylor Couch, PLLC can help you complete the needed steps, please call us for a free consultation.

What do debt collectors have to include in letters?

There is a list of requirements that debt collectors must meet when sending out debt collection letters. These requirements are intended to inform debtors of their rights within this debt collection process. However, more often than not, debt collectors do not adequately display these notices nor effectively communicate them. Some examples of the requirements include a notice that the communication is from a debt collector in an attempt to collect a debt, that the debt is actually time barred and legal proceedings can no longer be instituted, that the debtor has the right to request validation of the debt. These are only a few of the requirements, other factors such as the display and placement of these notices are also important. If you receive any debt collection letters, please contact us immediately and let us look over the letter to ensure your rights are not being violated.

Are debt collectors allowed to talk to my friends and family?

Debt collectors are not supposed to speak with third parties about your debts.

Can debt collectors call my place of employment?

Debt collectors are typically not supposed to call your place of employment. This issue can be a gray area depending on whether you have specifically asked them not to call your place of employment, and what they said during the phone call. It’s best to document every time they call your work, if they were rude, called back after being hung up on, or gave away who they were and what they were calling about.

Client Reviews
I hired Taylor Couch, PLLC. They were amazing. They care about their clients. They did an outstanding job. I would highly recommend Nina Couch and Zachary Taylor.
★★★★★
I consulted with Nina on a complicated property and estate issue. She could not have been more pleasant, intelligent, and calming. She helped me quickly settle the case. I have recommended Nina to all sorts of people who have personal injury issues and consumer protection issues. Justin
★★★★★
I was recommended Zachary Taylor by a friend to handle a personal case. He was great about letting me know all the details of the case and what to expect throughout each step of the process. I was very confident in his knowledge and abilities. I also appreciated that he was so quick to return phone calls and emails. I would highly recommend him as an attorney. Anonymous
★★★★★