It can be frustrating when you fall behind on your payments and can't seem to get anywhere, especially if you try to deal with your lender in making payment arrangements. This can be worse if you are getting continuous calls from a debt collection services company, demanding payments and threatening of dire consequences.. There are laws these agencies must follow or they may face fines and lawsuits. Recently, the Federal Trade Commission received 71,000 complaints about collection agency personnel using profanities,. If a collection agency calls you, you have rights; whether you owe money. There are laws that define how and when a debt collection agency can call you. You have rights the FTC has outlined in the Fair Debt Collection Practices Act and must be respected by the Debt Collection agencies. It tantamounts to harassing if they contact you continuously at work even after you have informed them that your boss does not approve it, call you before 8:00 am or after 9:00 pm, or Home | Contact Us
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James D Profile


First Name:James D
Last Name:Pacitti
Email:jpacitti@consumerlawcenter.com
Description :

Mr. Pacitti is an associate attorney at Krohn & Moss whose practice is exclusively focused on consumer protection under the Fair Debt Collection Practices Act (FDCPA) and similar California statutes. Mr. Pacitti graduated cum laude from Northeastern University in 1992 and Fordham University School of Law in 1995. In over fourteen years since graduating law school, Mr. Pacitti has obtained a wide array of experience, especially in the areas of consumer protection. Mr. Pacitti has been admitted to practice in Pennsylvania (1996), New York (1997), New Jersey (1997), Florida (1997) and California (2007). He is also admitted to practice in all federal districts courts for the State of California and the State of Florida.

Mr. Pacitti began his career in corporate securities and finance as an attorney at Safeguard Scientifics in Philadelphia beginning September 1995 through December 1996. Beginning in January 1997, Mr. Pacitti began working for the government as an assistant public defender in Delaware County, Pennsylvania where he represented hundreds of clients in criminal litigation before the Pennsylvania Court of Common Pleas. In September 1998, Mr. Pacitti moved to Florida and continued practicing criminal litigation for the State at the Seminole County Public Defender’s Office outside Orlando, Florida. Mr. Pacitti worked for the public defender until May 2000, during which time he was lead or sole counsel in over thirty jury trials.

Mr. Pacitti began practicing civil litigation in May, 2000 at Grower, Ketcham, et al in Orlando, Florida performing insurance defense. However, he quickly transitioned to representing consumers beginning in January 2001 when he began his employment at Morgan & Morgan in Orlando, Florida, one of the largest consumer protection law firms in the country. During his six years at Morgan & Morgan, Mr. Pacitti was solely responsible for all aspects of representation of consumers in litigation against insurance companies and other corporate entities from initial consultation through trial and appeal. Mr. Pacitti represented thousands of clients during his tenure and was lead counsel in six civil trials to verdict.

In May 2007, Mr. Pacitti moved to Los Angeles where continued to represent individuals in civil litigation. Mr. Pacitti joined Krohn & Moss in December 2009.

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