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Standing Up Against Unfair Practices

Protecting Your Consumer Rights

We fight for your rights, ensuring that you are treated fairly by corporations

and businesses. Your justice is our priority.

Practice Areas

At Legally Noelle Services, LLC, we specialize in protecting your rights against unfair business practices, fraud, and deceptive trade practices.

Telephone Consumer Protection Act (TCPA)

The Telephone Consumer Protection Act (TCPA) is a federal law enacted in 1991 to protect consumers from unwanted and intrusive telemarketing calls, text messages, and faxes.

The Fair Debt Collection Practices Act (FDCPA) is a federal law enacted in 1977 to protect consumers from abusive, unfair, and deceptive practices by debt collectors.

Fair Credit Reporting Act

(FCRA)

The Fair Credit Reporting Act (FCRA) is a federal law enacted in 1970 to promote the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.

Protecting Consumers' Rights Since 2022

Attorney Noelle Sillmon founded Legally Noelle Services,LLC in 2022 with a mission to protect consumers from unfair and deceptive business practices. With over 3 years of experience in consumer protection law, Noelle has successfully represented hundreds of clients against corporations and debt collectors.

Her dedication to fighting for consumer rights has resulted in over $1 million in recoveries for her clients. Noelle is admitted to practice in Alabama, Illinios, and Texas, and is known for her tenacious advocacy and commitment to justice.

Federal Court Admissions and Strategic Partnerships

Though we are based in Alabama, our reach extends far beyond state lines. Ms. Sillmon is admitted to practice in all federal courts of Alabama, Illinois, as well as in the Texas. This broad federal practice allows us to effectively represent clients in multiple jurisdictions.

Years of Experience

1M +

Recovered

100's

Successful Cases

100%

Client Focus

Frequently Asked Questions

Get answers to common questions about consumer protection laws and your rights

What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA is a federal law that protects consumers from abusive, deceptive, and unfair debt collection practices. It regulates how debt collectors can interact with consumers and sets strict guidelines on their conduct.

Who does the FDCPA apply to?

The FDCPA applies to third-party debt collectors, including collection agencies, debt buyers, and attorneys who collect debts on behalf of others. It does not generally apply to original creditors collecting their own debts.

What types of debts are covered under the FDCPA?

The FDCPA covers personal, family, and household debts, such as credit card debt, medical bills, mortgages, and other consumer debts. It does not cover business debts.

What are debt collectors prohibited from doing under the FDCPA?

Debt collectors are prohibited from using abusive language, making threats, contacting you at inconvenient times or places, disclosing your debt to third parties, and engaging in deceptive practices, among other restrictions.

Can a debt collector contact me at work?

A debt collector can contact you at work unless they know or have reason to know that your employer disapproves of such contact. You can request that they not contact you at work, and they must comply.

How can I stop a debt collector from contacting me?

You can stop a debt collector from contacting you by sending a written request asking them to cease communication. Once they receive your request, they can only contact you to confirm there will be no further contact or to inform you of specific legal actions they plan to take.

What should I do if a debt collector sues me?

If a debt collector sues you, it’s important to respond to the lawsuit by the deadline. You may want to consult with an attorney to understand your rights and defenses.

What are my rights if a debt collector harasses or threatens me?

If a debt collector harasses or threatens you, they are in violation of the FDCPA. You can report them to the Consumer Financial Protection Bureau (CFPB), your state attorney general’s office, or consider filing a lawsuit for damages.

How can I verify that a debt collector’s claims are legitimate?

You have the right to request written verification of the debt within 30 days of receiving the initial contact from the debt collector. The collector must provide details such as the amount owed and the original creditor’s name.

Can a debt collector talk to others about my debt?

No, a debt collector is generally not allowed to discuss your debt with anyone other than you, your spouse, or your attorney. They may contact third parties only to obtain your contact information, and even then, they cannot disclose that you owe a debt.