This website is for advertising purposes only. Andrea Janovic and James Kidney are not a law firm. Each attorney is an independent practitioner with offices at 40 East 10th Street, Newport, Kentucky, 41071.
Bankruptcy
When your debts exceed your assets, and there is no change in the foreseeable future, you may want to consider a consultation to see if bankruptcy is an option for you. Current bankruptcy laws are complex, and navigating them requires an attorney you can trust to listen to you and assess your needs. Don’t wait until your home is in foreclosure, or your car is repossessed. Act quickly to protect your interests. Feel free to contact our office for a consultation on your case.
The Telephone Consumer Protection Act ("TCPA") is a federal law that was passed by Congress in 1991. The TCPA limits the use of automatic telephone dialing systems (also known as “auto-dialers”), and the use of artificial or prerecorded voice messages, SMS text messages, as well as the use of fax machines to send unsolicited advertisements. If you are getting multiple calls from a debt collector or telemarketer on your cellular telephone, it is possible they are using an auto-dialer in violation of the TCPA.
Under the TCPA, consumers are entitled to collect damages ranging from $500 to $1,500 for each unlawful call, fax, or text message.
Debt collectors often use overly aggressive tactics to collect outstanding debts. To stop abusive debt collection practices, the federal government passed the Fair Debt Collection Practices Act (FDCPA) in the 1970s. The FDCPA prohibits third-party debt collectors from using certain methods to collect outstanding debts. In fact, if the debt collector violates the FDCPA, it might have to pay $1,000.00 dollars damages to you or more for violating your rights!
IF YOU ARE RECEIVING CALLS FROM A DEBT COLLECTOR, SAVE YOUR MESSAGE!
ALSO SAVE ALL DEBT COLLECTION LETTERS AND BRING THEM WITH YOU TO YOUR FREE CONSULTATION.
Examples of possible illegal debt collection activities:
- Calling too early in the morning (before 8AM) or too late at night (after 9PM)
- Telephone calls made from an auto-dialer
- Pre-recorded voicemail messages left on your cellular phone
- Using obscene language when attempting to collect a debt
- Threatening you in any manner
- Not revealing their employer's identify when making debt collection calls
- Suing on a time-barred debt (statute of limitations has expired)
- Misrepresenting the amount of the debt in any way
- Contacting you in an attempt to collect the debt when they know you are represented by an attorney
- Contacting third parties regarding details of your debt, such as leaving messages with co-workers at your place of employment regarding the debt owed
The law office of Andrea Janovic is a federally defined Debt Relief Agency. Ms. Janovic only represents parties in the Federal District Court - Eastern District of Kentucky.
A discharge in bankruptcy will make credit card, medical and certain other types of unsecured debts, permanently unenforceable against debtor, so that the debtor will typically never have to pay those discharged debts, and the creditors whom you owe cannot phone you, write you, sue you, garnish your wages, or take any other act ever again to try to collect the discharged debt from you. “Credit Counseling”, “credit card payment plans” and “debt management” DO NOT discharge a debt. Only by filing bankruptcy in the United States Bankruptcy Court does an individual have a right to seek discharge of debts. Some debts, such as certain tax debts, and student loans under certain circumstances, may not be discharged under the U.S. Bankruptcy Code.
This firm will only represent you if a written contract for bankruptcy legal service is entered into, and signed by you, and you meet all of the requirements under federal law to file for bankruptcy protection. Contact our office for a free consultation: (859) 391-7218.
Andrea Janovic
40 E. 10th Street
Newport, Ky 41071
(859) 391-7218
(866) 936-1891 (fax)
janoviclaw@gmail.com
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Business Hours
8:30 AM to 5:00PM
8:30 AM to 5:00PM
8:30 AM to 5:00PM
8:30 AM to 5:00PM
8:30 AM to 5:00PM
By Appointment
Closed
All Major Credit Cards Accepted!
Violations of the Telephone Consumer Protection Act ("TCPA")
Violations of the Fair Debt Collection Practices Act ("FDCPA")
FREE CONSULTATIONS
TO MAKE APPOINTMENT CALL 859-391-7218
Why Choose Our Office:
- Free Initial Consultation
- Appointment Flexibility
- Personal One-on-One Attention from the attorney
- Reasonable Rates
- Central location of office
Contact: 859-391-7218 ::: JANOVICLAW@GMAIL.COM
The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting the law office of Andrea Janovic does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.