Creditor harassment is when collection agencies go on an unending pursuit to collect the money you owe. This pursuit may include sending letters as well as making regular phones calls. It may also be when these phones calls come on a regular daily basis or even several times in a day. Creditor harassment may also include debt collectors being rude on the phone or getting verbally aggressive with you if they attempt to put you down, call you names, or use profane language.
Have you or someone you love been experiencing the stressful effects of creditor harassment? If so, our bankruptcy law attorneys can help you stop creditor harassment. Contact a bankruptcy lawyer in your area today to learn more.
Things collection agency are not allowed to do:
These actions are not allowed under the Fair Debt Collection Practices Act (FDCPA). The FDCPA was created to prevent creditor harassment. However, it still exists because many consumers do not know their rights in regards to creditor harassment. People may feel bullied into paying the collection agency simply to make the harassment stop. One of the best things you can do is learn about FDCPA, so you know what your rights are. The first thing you should know is that you are not obligated to talk to creditors. As soon as you realize what the call is about, you can choose to hang up the phone.
Attorneys that are well versed in bankruptcy law will fully understand what is and is not allowed under FDCPA. They can intervene on your behalf to stop the collection agencies from contacting you. To help your lawyer understand the situation, you should keep a written record of each phone call you get. You should also keep a detailed list of the people or companies you owe money to and the amount of money you owe them. Gathering this information early will help in the long run.
If you or someone you care about is being constantly harassed by creditors, our bankruptcy laws can help you make it stop. Contact a bankruptcy law attorney in your area today to get started.
Did you know?
You should talk to a bankruptcy law attorney to get a better understanding of your options.
A consultation can be enough to show you how a bankruptcy lawyer can help you stop creditor harassment.