Sometimes people get behind on a bill or can’t pay a debt. With the recent economic decline, this is truer than ever. When you get behind on a payment, you may be contacted by a debt collector to pursue what you owe. Unfortunately, not every debt collector follows the law and simply because you owe money to someone doesn’t mean a debt collector can harass or threaten you.

When a collector attempts to collect an unpaid debt, generally, the collector and/or collection company is required to abide by the Fair Debt Collection Practices Act. Under the Act, a debt collector is broadly defined as “any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due to another.” Under the Act, debt collectors are required, among other things to:

– Identify themselves and notify the consumer, in every communication that they are a debt collector;

– Give the name and address of the original creditor;

– Provide verification of the debt; and

– Tell the consumer that the consumer has a right to dispute the debt.

Under the Act, debt collectors cannot, among other things:

– Threaten violence;

– Publish your name as an individual who won’t pay your debts;

– Lie about the money you owe;

– Falsely state that you have committed a crime;

– Call at unreasonable hours;

– Use a false company name;

– Use profanity when talking with you;

– Call you multiple times;

– Say that you will be arrested if you do not pay your debt;

– Give false information about your credit to anyone

Debt collectors are not above the law. If you are being harassed about a debt that you owe, call the lawyers at the Manchin Injury Law Group today to speak with a lawyer to see if we can help.

Attorney Timothy Manchin established the Manchin Injury Law Group in 2011 after his law partner of more than 25 years became a West Virginia circuit court judge. His focus is on helping individual clients and entire families victimized by negligent acts.

  • Taylor Downs was easy to talk to (I do not speak the legal language well!) and was very upfront and honest about the entire process of my case. He kept me updated as the case progressed, and answered my relentless questions. The end result was a favorable settlement that I’m not sure could have been any better with anyone else. In short, go see Taylor if you have a case. Don’t be intimidated to go seek his help, he won’t blow your brains out with “legal speak”.

    - PAUL MOUSER

  • Being referred to Taylor was the best thing I could have asked for. Taylor and staff are very easy to talk to. I would highly recommend them to anyone.

    - DAWN FRISENDA

  • If I ever have to go through it again I would definetly call Taylor right away. The group was so helpful through my situation and handled everything that needed to be done. They made a stressful situation a stress free situation. With Taylor you dont have to worry about one thing. Definietly would recomend to anyone.

    - TAYLOR G.

  • Efficient, knowledgeable, and friendly.

    - NOAH SCHUMAKER

  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.

    - ANONYMOUS

  • Manchin Injury Law Group, Took care of me when I got into a car accident while I was pregnant. Very scary moment for a first time mom but thankfully Manchin Injury Law Group had my back and treated me great. They made me feel as if I was part of their family. My son is now 7 Months Old and very happy and healthy. I’m very thankful for them for helping me through everything and getting me what we deserved. I 100% would recommend them to anyone. If I ever have an accident again they will be my number 1 phone call!

    - SHAWNNA SHAFFER.

  • The support given helped me to feel like I was included in my personal injury case every step of the way. I was informed about the entire process throughout. It was amazing how quick the turn around time was and I would definitely recommend Attorney Timothy J. Manchin to anyone!

    - ANONYMOUS

  • Taylor and Kelly worked hard on my case so I didn’t have to. Thanks guys!

    - TERRI L. ARMENTROUT

  • Excellent experience dealing with Manchin Injury Law. They were very responsive, professional and easy to talk to. I did my homework before I hired a lawyer after my accident and I am so glad I found Manchin Injury Law Group. If you are injured, give them a call!

    - VILLA COVENANTS

  • Taylor and Tim helped make a difficult moment in life, a little more bearable. Easy to communicate with and informative. I will absolutely recommend them to everyone.

    - CHAD BILOTTA

  • Kelly and Taylor did all the hard work so that I didn’t have to. They both cared about my circumstance and got me a nice settlement. Taylor knows what he is doing and I felt comfortable with my case in his hands.

    - JASON + STACIE MORGAN

  • Great lawyers. They helped me with a West Virginia case.

    - JOSEPH SAUNDERS

  • Such a great experience with Taylor and this firm. Thankful for their diligence and their work on our case. Thank you to all!

    - RENEE FLORENCE WARNER

  • Had a easy and smooth experience with a great attorney so when you go there make sure you ask for Taylor.

    - TIM CROSS

  • My experience at the Manchin Injury Law Group was extremely positive, and I would recommend them to anyone who needs a compassionate and experienced lawyer on their side.

    - TAMMY LACARIA

Contact Us Today

We offer a free initial consultation at our office in the Manchin Professional Building — our home since 1983 — conveniently located in Fairmont.

If you are unable to visit our firm, we can come to your home or hospital room.

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