Legal Protection Plan

Legal Representation

In addition to assisting with the negotiation of debts, Green Range Financial, LLC enrolls clients in a Prepaid Legal Plan that provides legal defense in the event they get sued by a creditor.  There are no co-pays, no limits, and no deductible.  The only fee might be a court filing fee, if there is any.  The goal is to provide full legal representation and resolve the legal matter to obtain the best outcome possible.

Creditors may be legally pursued

The Prepaid Legal Plan also helps protect our clients against aggressive debt collectors.

Debt collectors have to follow certain laws which include the Fair Debt Collections Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Some of them break those laws because they are counting on the fact that most people will not report them or keep track of the calls. A majority of violations are made in voice messages, telephone calls to employers, family or friends and abusive collection tactics. These violations come with fines that can possibly award hundreds or more in damages PER VIOLATION.

In order to help capture any potential violations and protect clients rights the Prepaid Legal Plan includes the services of the nation’s leading consumer protection firm who trains and educate clients on how to spot these violations.

The following includes the Prepaid Legal Plan’s summary of the FDCPA and TCPA violations that may trigger legal action:



  • A debt collector calls your work after you tell the collector not to call your
  • A debt collector calls before 8 m. or after 9 p.m. in your time zone.
  • A debt collector makes an excessive number of phone calls.
  • A debt collector calls repeatedly or continuously with the intent to annoy, abuse or
  • A debt collector claims to be an attorney or sends letters that look like they are from a law office. (Unless the debt collector is actually an )
  • A debt collector continues to contact you or anyone other than your attorney even after they have been made aware that you are being represented by an
  • A debt collector tells someone other than you, your spouse, or your attorney that you owe them
  • A debt collector misrepresents the amount of money owed, or the legal status of the
  • A debt collector gives false information regarding your
  • A debt collector who is not an attorney threatens to garnish your wages, put a lien on your property or take your personal property. (This can only be done with a court )
  • A debt collector uses obscene, insulting or abusive language.
  • A debt collector threatens you or your family.


The Telephone Consumer Protection Act (TCPA) is a federal act passed by Congress in 1991 and promulgated in response to an increasing number of consumer complaints about debt collector, telemarketer, and other consumer harassment phone calls.  The TCPA establishes laws to limit what telemarketers and other businesses, including debt collectors, can do over the telephone, facsimile, or similar methods to collect a debt.

  • The TCPA restricts the use of autodialing by any telemarketer or debt collector. This is also known was a “robocall,” which is an automated dialing system with a prerecorded or artificial (computer generated voice) message.
  • The TCPA also prohibits debt collectors and telemarketers from calling consumers who have registered with the Do Not Call Registry. Further, the TCPA requires companies to also maintain a do not call list and honor any requests by a consumer not to be called again.
  • If a consumer has received debt collector or telemarketing calls prohibited under the TCPA, he or she is entitled to file a lawsuit for such violations. The TCPA establishes set damages for violations of the TCPA.