Zachary L. Taylor is an advocate dedicated to restoring hope for the victims of injustice. Zachary has won many successful settlements, judgments, and appellate decisions for his clients. Zachary represents employees, consumers, and those injured by the negligence of others. In 2013, Super Lawyers Magazine selected Zachary as the only Kentucky Rising Star in Consumer Law.
Zachary Taylor earned his law degree in 2008 from the University of Louisville, whence he graduated with honors. While attending law school, Zachary volunteered for UNICEF, served as president of the local Phi Alpha Delta fraternity, and worked for the University of Louisville Law Journal as well as the Journal of Law and Education. Before attending law school, Zachary attained a bachelor's degree at the University of Minnesota at Minneapolis, where he studied Latin and philosophy. Born in Saint Paul, Minnesota, Zachary is the son of Ann, a social worker and educator, and Phillip, a certified public accountant.
Nina Couch is passionate about the law and her clients. Before law school, she had a career in accounting and finance. After graduating from the Brandeis School of Law, magna cum laude, she went to work for one of the biggest law firms in the region where she negotiated major contracts for large companies. Now Nina focuses her practice on helping individuals who have been injured, but also maintains a vibrant business law practice.
Fair Debt Collection Practices Act
The federal Fair Debt Collection Practices Act prohibits debt collectors from engaging in abusive debt collection tactics. The federal law, applicable to personal debts, is intended to eliminate the following abuses:
- threatening the use of violence;
- using obscene, profane, or abusive language;
- misrepresenting the character, amount, or legal status of any debt;
- falsely representing or implying that a communication is from an attorney;
- threatening to take action that is illegal or not intended to be taken;
- communicating false credit information to any person, including failing to communicate that a debt is disputed;
- communicating with certain persons other than the consumer regarding the debt;
- falsely implying that a consumer has committed a crime or other conduct in order to disgrace a consumer;
- collecting any amount that is not authorized by agreement or permitted by law, including interest, fees, charges, or expenses; and,
- using language on any envelope, other than the debt collector's address and in some cases, its business name
In addition to these prohibitions, under the law, debt collectors may owe certain duties to consumers. For instance, debt collectors must provide certain information to consumers regarding a debt, including:
- the amount of the debt;
- the name of the creditor to whom the debt is owed;
- a statement that unless the consumer disputes the debt within 30 days after notice of the debt, the debt collector will assume the debt is valid;
- a statement that if the consumer notifies the debt collector in writing within the thirty day period that the debt, or any portion thereof, is disputed, the debt collector will send the consumer verification of the debt or a copy of the judgment; and,
- a statement that the debt collector will provide upon request the consumer with the name and address of the original creditor, if different from the current creditor.
Debt collectors must also identify themselves as debt collectors in phone calls and letters.
A debt collector that fails to discharge these duties, or otherwise engages in abusive conduct, is liable to the consumer for actual damages, statutory damages of up to $1,000.00, and attorney's fees and costs. A consumer may bring a lawsuit against a debt collector in federal or state court within one year from the date the violation occurred.
Attorney Zachary L. Taylor can help you stop debt collectors from violating your federal rights. Mr. Taylor focuses on helping his clients protect themselves from abusive or deceptive debt collectors and may be able to assist you.
If you have unpaid medical bills or have fallen behind on payments on credit cards or an auto or home loan and you are being pursued by a harassing debt collector or law firm, you may be entitled to relief. Attorney Zachary L. Taylor may be able to help you understand your rights, obligations, and options.
In addition, federal law may also afford Kentucky consumers certain additional protections, such as the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), the Real Estate Settlement Practices Act (RESPA), and the Truth in Lending Act (TILA). Do not let your rights be violated. Call Attorney Zachary L. Taylor at (502) 822-2500 for a free evaluation.
If you have been defrauded, deceived, harassed or treated unfairly by a creditor, debt collector, loan servicer, loss mitigation specialist, credit bureau, or other business, you may be entitled to relief.
The first step to protecting yourself is to know your legal rights. Attorney Zachary L. Taylor fights for consumers and may be able to assist you with your legal problems.
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2815 Taylorsville Road, Suite 101
Louisville, Kentucky 40205
Phone: (502) 625-5000
Fax: (502) 631-9680
Office Hours: Weekdays from 8:30 a.m. to 5:30 p.m.