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Ray Johnson believes you deserve the same quality legal representation that big corporations receive.


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Ray's Blog on Consumer Protection Issues

We're Not Biased--They Just Pay Us

Married Women And Credit: What's Love Got To Do With It?

Pigs Get Fat; Hogs Get Slaughtered

Just Let It Ring

Jury Duty ... Do I Have To?

Take The Freakin' Car, But Leave The Dale Earnhardt Bumper Sticker

Would It Be Safer To Hide It Under The Mattress?

Another Day For You And Me In Paradise

Freedom For You, Foreclosure For Me

Why Is My Airbag Delivering My Newspaper?

The Song Remains The Same

If You Pay To Build It, They Will Come--Or Maybe Not

 
 
Are you the Victim of Debt Collector Harassment? 

Iowa and federal Fair Debt Collection Practices laws prohibit many coercive, abusive, harassing, unconscionable, fraudulent or deceptive collection practices in collecting consumer debt.  
 
To file a lawsuit against you, the collector generally will need an Iowa attorney.  Ironically, the most abusive debt collectors do not file lawsuits and are frequently collecting debts you have defenses to, such as you do not owe the debt or it is beyond the statute of limitations.  There are almost always good defenses to collections by debt buyers who purchase debt for pennies on the dollar.  Despite the abuse, most debts being collected by the most abusive collectors should be a much lower priority for you to pay than bills such as your house payment, feeding your children or keeping your utilities turned on. 
 
Don't let an abusive debt collector determine your family budget!!!  There are legal ways to get the calls and abuse stopped.

Iowa Debt Collection Law Firms

There are debt collection lawyers in Iowa who do file lawsuits.  Correspondence or service of process from these law firms should be taken seriously.  Some of these law firms include:

Charles Litow
Litow Law Office

Kevin Abbott 
Wetsch & Abbott

Mark Quandahl 
Brumbaugh and Quandahl

Curt McCormick
Neiman, Stone & McCormick

Abendroth and Russell

Bertroche Law Office 

Nearly all debt collectors need to be registered in Iowa to collect debts here.  Is the debt collector contacting you even registered to collect debts in Iowa?  Click below to find out.

Registered Iowa Debt Collectors


Ray Johnson
Johnson Law Firm
950 Office Park Road
Suite 335
West Des Moines, IA 50265

Johnson Law Firm Legal Assistant Aaron Johnson Rock Climbing
Johnson Law Firm Legal Assistant Aaron Johnson relaxing on a day off

There May Be Consumer Protection Laws Applicable To Your Situation If you Have Problems Related To:

 

  • Unfair Debt Collection
  • Credit Card Problems
  • Fraudulent Sales of Homes or Autos
  • "Yo Yo" Car Sales 
  • Consumer Credit
  • Illegal Repossessions
  • Consumer Warranties
  • Lemon Law
  • Fair Credit Reporting
  • Unfair and Deceptive Acts and Practices
  • Credit Discrimination
  • Landlord/Tenant
  • Cellular Service
  • Predatory Lending
  • Mortgage Servicing
  • Identity Theft
  • Payday Loans

Contact a qualified lawyer of your choice for more information regarding your specific situation.