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The Lyon Firm is actively involved in Class Action Lawsuits and Mass Tort Litigation on behalf of consumers nationwide.
Nationwide Success

Debt Collection Violations

Americans are sometimes unable to decipher whether or not they are a victim of unfair debt collection practices, and to help you understand your rights, consumer advocates and attorneys are holding debt collectors accountable for their unfair and unlawful practices. You may be a victim of illegal harassment, and may have a viable lawsuits if you experienced the following:

  • You are being continually pestered by a debt collector
  • A collector is calling multiple times a day or week
  • The collector has contacted your employer or family and friends
  • The debt collector has threatened you

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors cannot harass, or abuse you or anyone else they contact. If collectors call you at home, they must tell you who they are. By hiring a fair debt collection practices lawyer, you can make it stop, and you can sue for damages for the trouble.

Many victims of unfair debt collection practices are under tremendous stress, often because of a sudden loss of income or medical issues, and The Lyon Firm believes in bringing the perpetrators to justice. As a borrower, you have basic rights and there are legal steps you can take.

Joe Lyon is an experienced civil litigation attorney investigating cases of unfair debt collection practices nationwide. Plaintiffs may call The Lyon Firm for a free consultation with a fair debt collection practices lawyer.

Understanding the Fair Debt Collection Practices Act

To learn more about the federal Fair Debt Collection Practices Act, contact the Federal Trade Commission, the Consumer Financial Protection Bureau, or an experienced Ohio fair debt collection practices lawyer. In short, any debt collector who harasses or threatens you is breaking the law.

The Federal Trade Commission (FTC) has brought cases against Credit Smart and other improper lenders for violating consumers’ privacy rights, and using illegal tactics to pressure people into paying debts.

Some debt collectors threaten violence, use obscene language, threatened to garnish people’s wages and sue them for nonpayment, misrepresent themselves as attorneys or laws enforcement, and tell victims they owe more than they do.

Fair Debt Collection Practices Lawsuits

Contact an attorney if you have experienced the following, which violate the Fair Debt Collection Practices Act (FDCPA):

  • Collectors call you before 8am or after 9pm
  • Collectors contact you at work after you tell them your employer doesn’t allow you to take calls
  • Collectors contact a third party like a friend, employer or family member
  • Collectors lie about the amount you owe
  • Collectors use deceptive methods to collect a debt from you: threaten to seize your property or your wages
  • Collectors give false credit information to someone

No Misrepresentation: The FDCPA states debt collectors cannot use false, deceptive, or misleading practices like using a fake company name. They cannot state they are an attorney or law enforcement officer if they are not. Collectors may also be breaking the law by misrepresenting the debt, and the amount of money owed.

It is important when considering hiring a fair debt collection practices lawyer and filing a harassment lawsuit, to keep careful records of all of your communications with the debt collector in question. Keep a file of letters and documents a debt collector sends you, and record dates and times of conversations along with notes about the conversation. These records can help build evidence and a strong case against an unfair collector.


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Joseph Lyon has 17 years of experience representing individuals in complex litigation matters. He has represented individuals in every state against many of the largest companies in the world.

The Firm focuses on single-event civil cases and class actions involving corporate neglect & fraud, toxic exposure, product defects & recalls, medical malpractice, and invasion of privacy.


The Firm offers contingency fees, advancing all costs of the litigation, and accepting the full financial risk, allowing our clients full access to the legal system while reducing the financial stress while they focus on their healthcare and financial needs.

photo of attorney Joe Lyon
A Voice for Those who have suffered 

Why are these cases important?

Without class actions, large corporate defendants would be able to cause small amounts of harm over a large group of individuals without any risk of monetary penalty.


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Your Right to Justice

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Filing Class Action lawsuits is a complex and serious legal course and can carry monetary sanctions if proper legal course is not followed. The Lyon Firm is dedicated to assisting injured plaintiffs work toward a financial solution to assist in compensating for medical expenses or other damages sustained.

We work with law firms across the country to provide the most resources possible and to build your case into a valuable settlement. The current legal environment is favorable for consumers involved in data breach class actions, deceptive marketing lawsuits, TCPA telemarketing claims, and financial negligence claims.