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Learn Your Rights and Creditor Harassment Laws in Your Area
National consumer protection laws like the Fair Debt Collection Practices Act legally require your creditors to avoid abusive, deceptive, and unfair collection practices such as:
- Threats of harm or violence
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Constant phone calls meant to disturb or harass
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Calling before 8 a.m., after 9 p.m., or at an inconvenient time or place
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Obscene or profane language
Your state may have passed additional legislation to protect you from creditor harassment. A knowledgeable attorney in your area can let you know if there are further restrictions on collection practices.
How To Stop the Harassment by Collectors?
Although they are illegal, many creditors still practice abusive tactics. The pressure caused by their relentless coercion can make you feel tiny and powerless.
But the truth is, you DO have power, and you DON'T have to put up with your creditors' bullying. When you file for Chapter 7 or Chapter 13 bankruptcy, the court will grant you an automatic stay that halts all collection activity. Not only will your creditors be prohibited from trying to collect from you, but they will be banned from contacting you at all! The constant phone calls and intimidation will stop as soon as you file your petition.
What Are Their Ways To Bother You?
Debt collectors have a full arsenal of tricks that they use to manipulate and degrade you. Some of the most common collection strategies include:
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Threatening to sue you, arrest you, or garnish your wages
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Calling your neighbors and family members to get information about your whereabouts
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Calling you at inconvenient times like during dinner or on holidays
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Calling you at work when you can't take personal calls
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Contacting you directly when you have a lawyer
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Shouting or using obscene language
If your creditors flout the law and continue to contact you after you file for bankruptcy, DebtStoppers will foot the bill to take them to court and get you compensation. We are dedicated to helping every client find relief from creditor harassment.
Why Do You Need Help From a Dedicated Local Attorney?
If you're considering bankruptcy, a DebtStoppers lawyer near you can help you decide which chapter is best for you and your financial situation. Our creditor harassment lawyers can help you escape the burden of endless bullying from creditors. Call or text DebtStoppers today to schedule a no-cost case assessment with one of our skilled debt relief attorneys.
You don't have to suffer creditor harassment. Call or text us today, and we can help you find freedom from.
