Are you getting calls or letters about a debt you don’t owe? Learn how Ginsburg Law Group helps consumers fight phantom debt collections, stop harassment, and repair their credit — all at no upfront cost.
What Is Phantom Debt?
Phantom debt refers to any attempt to collect money that you do not legally owe. This can include:
- Paid-off debts that resurface when sold to new collectors.
- Time-barred debts that are beyond the statute of limitations.
- Debts discharged in bankruptcy that cannot legally be collected.
- Completely fake debts fabricated by scammers to pressure consumers.
Collectors often use intimidation — threatening lawsuits, wage garnishment, or even arrest — to scare consumers into paying.
Why Phantom Debt Collection Is a Growing Problem
Phantom debt is on the rise because of:
- Debt resales: Old debts are sold and resold, often with incomplete documentation.
- Poor recordkeeping: Important payment records get lost when accounts change hands.
- Scammers: Fraudulent callers pose as legitimate collectors or government agencies.
- Economic stress: Consumers under financial pressure may panic and pay just to stop harassment.
How Ginsburg Law Group Can Help You
At Ginsburg Law Group, we take immediate action to protect consumers:
1. Demand Validation of the Debt
We send a written demand for proof of the debt. If the collector cannot produce valid documentation, they must stop contacting you under the Fair Debt Collection Practices Act (FDCPA).
2. File Lawsuits Against Illegal Collectors
If a collector continues harassment or pursues an invalid debt, we file suit. Consumers may recover:
- Up to $1,000 in statutory damages under the FDCPA
- Additional compensation for emotional distress and harm
- Attorney’s fees, meaning you pay nothing out of pocket
3. Remove Inaccurate Credit Reporting
Phantom debt can damage your credit score. We demand removal of false tradelines from your credit report.
4. Defend You in Court
If you are sued for a debt you don’t owe, we fight the case and often get it dismissed.
Why You Should Act Fast
Collectors count on consumers ignoring notices or not knowing their rights. Acting quickly allows us to stop collection calls, protect your credit, and preserve evidence to strengthen your case.
Free Consultation — Protect Your Rights Today
If you are receiving calls or letters about a debt you believe is invalid, don’t wait. The longer you delay, the more damage can be done to your credit and peace of mind.
📞 Call Ginsburg Law Group today: 855-978-6564
🌐 Visit us online:www.ginsburglawgroup.com
