At DCSD we handle all types of consumer debt. We are not business debt lawyers, so if you have commercial debt, or business debt, we’re not the lawyers for you. When it comes to consumer loans, such as credit cards, student loans, mortgages, car loans, or bank notes, those are the kinds of cases we handle.
The reason is because those laws are governed by the federal Fair Debt Collection Practices Act. That’s a federal law that governs how bill collectors must behave and must communicate with consumers when they’re attempting to collect a consumer debt. Now, consumer debt is a debt that is primarily for family, household, or personal use.
For example, let’s say you owe the government for your taxes. That’s not a debt for which we would represent you. However, student loans are very clearly for personal, family, or household use and we work on student loan cases all the time.