Are You Fed Up with Being Harassed by Creditors?

The last thing anyone needs when experiencing the stress of overwhelming debt is to have hostile collection calls day and night. If creditors and collections agents are calling you excessively or during hours that are obviously inappropriate then you may have a creditor harassment case. Other examples of harassment that are prohibited by the Fair Debt Collection Act (FDCPA) include contacting those not associated with the account, calling you at inappropriate locations, using abusive language and making hostile threats of harsh actions for which there is either no actual intention or legal grounds for pursuing. You have rights in this situation and a bankruptcy lawyer may be able to help fend off illegal creditor harassment and help you obtain financial stability.

Understanding the Fair Debt Collection Practices Act

The FDCPA is a federal law enacted with the purpose of protecting debtors from abusive and unfair treatment by creditors and collection agencies which they may hire in an attempt to obtain owed funds. One of the reasons for this act is to help prevent individuals and families from turning to bankruptcy protection unnecessarily in an attempt to escape collection actions which only added additional misery and stress to those having financial difficulties. The FDCPA specifically states that collectors may only attempt to contact the debtor between 8:00am and 9:00pm unless specifically given permission to do otherwise by the debtor and they may not attempt to contact you at work or other locations other than your home without permission. Collectors are also prohibited from using abusive language, insults, obscenity or threats of repossession, wage garnishment or legal action when there is no intention of legally pursuing these actions. There are many other restrictions that are stipulated in the act and it is important to know your rights in regard to what a creditor can and cannot do.

Get the help of a bankruptcy attorney now!

You do not need to face persistent creditors on your own. An attorney may be able to help you make the stressful calls stop and provide you with effective creditor defense. There are many options when it comes to dealing with financial liabilities and a legal professional skilled in debt negotiation, debt consolidation, settlement, litigation, bankruptcy and foreclosure defense may be able to help you get back on track. Contact the San Diego Bankruptcy Pros today to discuss your rights and options. We are passionate about helping our clients get on their way to a brighter financial future.