Welcome to our mini-site! This site gives useful information about consumer law in Oregon. To find out more about consumer law and bankrutpcy in Oregon, please visit our main website at www.baxterlaw.com.

This information is provided by the consumer lawyers of the Consumer Litigation Group of Baxter & Baxter, LLP, a Portland, Oregon consumer litigation law firm, specializing in false credit reporting and unlawful debt collection cases.

The problems of harassing debt collection and collection attempts on bills that are not owed resulted in legislation by both Congress and the Oregon Legislature, in the form of the federal Fair Debt Collection Practices Act, and the Oregon Unlawful Debt Collection Practices Act. Both consumer statutes are premised upon the same fundamental principles that, first, collection agencies should only attempt to collect (or "dun") valid debts, and second, that dunning should be conducted in a professional, non-abusive manner.

In general, if a consumer disputes a debt in writing, the collection agency must provide the consumer with a verification of the underlying bills. If the debt is not owed, consumers should inform the collection agency and request that collection attempts be terminated. Continued dunning is potentially in violation of debt collection laws.

Even where a consumer does owe a debt, they have a right to be treated respectfully, and not to be harassed. Collectors cannot use profanities, threats of physical harm, or threaten to take actions that they cannot lawfully take. Collectors also cannot call debtors at work if they are asked not to, and cannot talk to co-workers or supervisors about the debt.

The Fair Debt Collection Practices Act is a federal statute that protects consumers from unfair or unconscionable collection practices by debt collectors. The Unlawful Debt Collection Practices Act is an Oregon statute that protects consumers from unfair or unconscionable collection practices by debt collectors, including the original creditor.

If you require legal representation or advice about false credit reports, debt collector harassment, and other Oregon consumer law problems , please contact the Oregon consumer lawyers of Baxter & Baxter, LLP.

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Debt Collection Abuse and Harassment Websites

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Contact Us

Baxter & Baxter, LLP
Consumer Litigation Group
8835 S.W. Canyon Ln., Ste. 130
Portland, Oregon 97225
Telephone (503) 297-9031
Facsimile (503) 297-9031
www.baxterlaw.com

This is an informational website about certain areas of consumer law in Oregon, presented by the Oregon consumer lawyers of Baxter & Baxter, LLP.*

The consumer attorneys of Baxter & Baxter, LLP, are frequently contacted by media outlets seeking comment or background on breaking news stories involving identity theft, credit reporting, unlawful debt collection, and other consumer issues. Media inquiries can be directed to Justin Baxter at (503) 297-9031.

* The information provided on this website is intended as general information for the public and for advertising purposes. It is not intended as legal advice. If you believe you need legal representation or advice, please contact the Oregon consumer attorneys of Baxter & Baxter, LLP.

Information about Consumer Law in Oregon

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