While the Coronavirus (COVID-19) was disrupting everyone’s lives, Palmer Lehman Sandberg worked to achieve a balance – continuing to take care of our clients’ legal needs, while protecting our clients, our employees, and our community (local and nationwide).

As Texas has begun to reopen, Palmer Lehman Sandberg has adjusted accordingly.

  • We are available for in-office meetings, with the following protections in place – while in our building and our office common areas (lobby, elevators, hallways, etc.), visitors must wear face coverings, and maintain social distancing (minimum 6’) as much as possible.
  • We continue telephone and video conferencing in place of face-to-face meetings, for those who prefer it.

As we continue to serve you, we wish everyone safety and good health as together we move forward through these uncertain times.

Please reach out to anyone at our firm via email or phone with any questions or concerns.

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Communication guidelines under the FDCPA

| Aug 2, 2019 | Creditors' Rights |

The word “harassment” is often thrown around quite liberally when it comes to debt collections. Many in Dallas may understand that they legitimately owe on their debts; they just do not like to be reminded of it. You (as a business owner) have every right to collect what is owed to you; at the same time, you do not want your reputation damaged by those who you have to pursue for outstanding debts. A question that is often posed to us here at Palmer & Manuel PLLCB by clients in your same position is what does the law dictate when it comes to communicating with those that owe your company money? 

To adequately answer that question, you must be familiar with the Fair Debt Collection Practices Act. This is a federal law that serves to not only protect consumers’ (debtors’) rights, but also guide the collection efforts for creditors. While many may view any contact made by creditors as harassment, according to the FDCPA, your debtors can indeed be contacted in regard to their liabilities within reasonable hours and through the proper channels. According to the Federal Trade Commission, “reasonable hours” means anytime between 8:00 am and 9:00 pm, and “proper channels” is typically limited to a debtor’s personal phone number (your debtor cannot be contacted at their place of business unless they have given permission to do so). 

Your debtors may indeed ask that they not be contacted, but even in that scenario, communication may be made stating that you may invoke specific remedies in order to collect the debt, and when such a remedy is indeed commenced. You can learn more about your rights as a creditor by continuing to explore our site.