Faloni Law Group: Who They Are and Your Rights

Type

Collection law firm

Also known as

Faloni Law Group, LLC

Headquarters

Roseland, NJ

Collects

credit card debt, medical bills, personal loans, auto loans, utility bills, bank overdrafts

Phone numbers it lists

(973) 226-0050, (866) 456-9668

Website

falonilaw.com

36 debt collection complaints were sent to the Consumer Financial Protection Bureau about Faloni Law Group from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Faloni Law Group?

Faloni Law Group, LLC is a law firm headquartered at 425 Eagle Rock Avenue, Suite 404, Roseland, NJ 07068. The firm says David A. Faloni, Sr. founded it more than 40 years ago and that David A. Faloni, Jr. is its managing partner. It says it has offices in New Jersey, New York, Pennsylvania and Florida; its site lists addresses in Roseland and Atlantic Highlands, New Jersey, King of Prussia, Pennsylvania, and Flushing, New York. Besides creditors' rights, the firm handles estate planning, elder law, personal injury and real estate closings.

Creditors' rights litigation is one of the firm's main practices, and its founder's biography describes it as a firm handling creditors' rights issues throughout New Jersey, New York and Pennsylvania. Its main numbers are (973) 226-0050 and (866) 456-9668.

Why Faloni Law Group May Be Contacting You

Faloni Law Group says its clients include financial institutions, hospitals and businesses. Its consumer collection page lists the kinds of debts it pursues for creditors: credit card balances, medical bills, personal loans, auto loans and utility bills. Its banking page adds defaulted loans, business loans, and overdraft fees and negative account balances owed to banks.

A letter from the firm may be a pre-suit demand, or it may come after a lawsuit has been filed. The firm also offers judgment enforcement, so a letter can concern a judgment that was already entered.

How to Check a Debt Faloni Law Group Says You Owe

When a lawyer is collecting, the first questions are whether there's already a case and who the plaintiff is.

• Check for a lawsuit or judgment. Search the court's records in the state where you lived. If there is a judgment you never knew about, ask how and where you were served.
• Use the validation notice. Dispute in writing within the validation period and the firm must verify the debt before continuing (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Ask for the account records. For a card or loan, request the agreement and the charge-off statement. For a medical bill, request the itemized bill and insurance history. For a bank overdraft, ask for the account statements that show how the negative balance arose.
• Confirm the client's identity. Ask whether the plaintiff is the original bank, hospital or business, or a later owner of the account.
• Check the time limit. Texas allows four years to sue on most consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). New Jersey, New York and Pennsylvania have different limits.

What Faloni Law Group Can and Can't Do

Attorneys who regularly collect consumer debts, including through lawsuits, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)). For Faloni's consumer accounts:

• Its court filings and letters cannot misstate the amount or character of the debt (15 U.S.C. § 1692e(2)(A)).
• It cannot collect attorney fees unless your contract or a statute allows them (15 U.S.C. § 1692f(1)). See fees collectors can add.
• It must sue in the judicial district where you live or where you signed the contract (15 U.S.C. § 1692i).
• It cannot contact you directly once it knows you have a lawyer for the debt (15 U.S.C. § 1692c(a)(2)).

For more, see law firms as debt collectors and our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Faloni Law Group or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Faloni Law Group: home page
• Faloni Law Group: About us
• Faloni Law Group: Consumer debt collection
• Faloni Law Group: Banking collections
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: Faloni Law Group, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Faloni Law Group has violated any law. Company details change; tell us if something here is out of date.