Experiencing Creditor Harassment?

There are steps creditors and collection agencies can take to recover money for unpaid debt. Unfortunately, many creditors go about their collection efforts the wrong way, some even violating state and federal laws. Under the Federal Fair Debt Collection Practices Act, creditors are prohibited from using abusive, deceptive, or unfair means to collect debt. When they do, it is referred to as creditor harassment.

There are several unlawful acts that constitute creditor harassment, such as:

• Calling a debtor countless times throughout the day
• Calling a debtor very early in the morning or late at night
• Harassing a debtor's friends, family, or co-worker in an effort to reach or intimidate the debtor
• Using abusive or obscene language towards the debtor
• Threatening the debtor unless debt is repaid  
• Continuing to contact a debtor even after he or she asked the creditor to stop contacting them

If you are being hounded by creditors due to unpaid debts, you should speak with a bankruptcy attorney to discuss what can be done to end creditor harassment once and for all. Many people don't realize that bankruptcy protects people from creditor harassment, so as soon as they file for bankruptcy any type of contact from creditors--whether abusive or not---must stop immediately. 

Even if you don't end up filing for bankruptcy, creditor harassment is still illegal, and can be stopped with the help of an attorney. Being in debt is already stressful enough. Let a bankruptcy lawyer make your situation a little less stressful by helping you deal with your creditors.

Click here to search our directory to find a bankruptcy lawyer in your area!