We Are On Your Side and Experts in
CONSUMERS’ RIGHTS LAW
The Law Office of Nicolás C. Vaca specializes in representing consumers in defending against debt collection lawsuits and collection abuse. We also prosecute debt collectors who violate the Telephone Consumer Protection Action (TCPA) when they make unauthorized telephone calls to a consumer’s cell phone.
We sue debt collectors for violating collection laws, including the Federal Fair Debt Collection Practices Act (FDCPA) and the California Fair Debt Collection Practices Act (Rosenthal Act). We also represent consumers who have suffered damages as a result of credit reporting agencies violating the Fair Credit Reporting Act (FCRA) when credit reporting agencies fail to correct an error on a credit report after the error has been pointed out to the credit reporting agency.
We represent defendants throughout Northern California, emphasizing the nine Bay Area counties.
Defending Yourself Against a Debt Collector
If you have been sued by a debt collection company, you should take this matter seriously. Just because you may owe a debt, it does not mean that the debt collection company has the right to collect the debt. Debt collection companies buy debt in large numbers. Because of this, they often do not have the documents required by the law to collect the debt. If a debt collector is going to hold you accountable for every penny you may have borrowed, we are going to make them prove every legal principle that allows them to collect that debt. If you do not fight back, a judgment will be entered against you and then your wages can be garnished, your savings attached and a lien placed on your home. If you do not to answer the complaint, you can lose your legal rights to challenge the subsequent judgment.
Hire Us to Fight for Your Rights
This firm is dedicated to protecting consumers in debt collection lawsuits, reversing money judgments and suing debt collectors, collection agencies, lawyers and process servers for collection and credit reporting abuses.
This firm repeatedly litigates against the same collection agencies, so we have become accustomed to the tactics used by collection agencies to attempt to collect a debt which frequently they have no right to collect. We are aggressive in our representation of our clients including taking cases to trial.
Because we have intimate knowledge of the federal Fair Debt Collection Practices Act (FDCPA), the California Fair Debt Collection Practices Act, the Telephone Consumer Protection Act (TCPA) and the Fair Credit Reporting Act (FCRA) we have an advantage in identifying misconduct by debt collector, and other institutions who violate the rights of consumers.
What our Clients Say…
“I was sued by EGC Financial, LLC on a credit card debt and two days before we were to go to trial, EGC dismissed the case. I would highly recommend the services of Nicolás C. Vaca. My case was handled with the highest degree of professionalism. Everything was explained to me in detail in his office before we started. I would not hesitate to refer anyone who may need his services.”
— T. Christian
EGC Financial, LLC v. Christian
“I was sued by Equable Ascent on a credit card debt. The Law Offices of Nicolás C. Vaca took the case to arbitration and argued that Equable did not have the documents necessary to establish that they were assigned the debt and therefore they could not collect. Mr. Vaca aggressively argued with the arbitrator that the lack of assignment was not a technical matter but a substantive legal principal that should resolve the case in my favor. The arbitrator was convinced and denied Equable Ascent’s claim. I would highly recommend Mr. Vaca to any of my friends and colleagues without hesitation.”
— J. Hill
Equable Ascent Financial v. Hill
“I was extremely frustrated when I received a lawsuit summons, the first summons I ever received. I was completely lost & not aware what to do until I came across Mr. Vaca. Without any hesitation, Mr. Vaca accepted my case and explained the possible outcomes and the way he would move forward which gave me great assurance of his ability. There is no doubt that he is one of the best attorneys working in this field. My more than $30K lawsuit was dismissed. I am glad I went to Mr. Vaca, who also offers affordable payment plans; my 5 stars for Mr. Vaca—Thank you Mr. Vaca for your help.”