Debt Harassment Lawyers
If you are experiencing debt collection harassment, you may be eligible
to file for protection. There are laws protecting consumers, such as the
Fair Debt Collection Practices Act (FDCPA), that outline the steps that
can be taken against consumers who fail to repay loans. Together with
several other laws, these steps detail actions including the different
ways in which debtors can be contacted by debt collectors. Lawyers conversant
with debt harassment laws are aware of the action that can be taken against
defaulters.
Actions including using automated equipment for making phone calls, calling
the non-debtors or family members of the debtor, intimidating them in
any form, etc. are activities that are not legal and violate the terms
of the outlines. Many consumers are also unaware that these violations
can attract monetary penalties as well. The FDCPA has several monetary
remedies for damages, such as physical distress, emotional distress, wage
garnishment, etc. and a recovery of up to $1000 for statutory damages
for harassment caused by debt collectors, provided the appropriate legal
action is taken.
A quick checklist to determine debt harassment from debt collectors:
The following behaviors from debt collectors can classify as harassment
and qualifies for legal action:
- Getting calls from debt collectors from automated equipment
- Receiving calls despite you instructing them not to call you
- Receiving calls several times a week
- Receiving calls before 8:00 a.m. and after 9:00 p.m.
- Receiving calls at your workplace
- Using abusive language; threatening to harm you or sue you and telling
you that you have committed a crime
- Informing others/talking to others about your debt, for example someone
at your workplace
- Not being informed of your right to dispute the debt
- Not getting a letter within five days of the first collection phone call
What do we do and how do we help you?
We are in the business of helping out victims of unfair debt collection
practices. We provide help through our knowledge and understanding of
the FDCPA. If debt collectors’ behavior is making your life nightmarish,
our lawyers are here to help. Our team of lawyers provides help in reducing
harassment faced by unethical and illegal debt collection and harassment
practices.
Simply call us at
855-254-7841 to discuss your situation and to find a solution for it.
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