Comprehending Your Rights with Creditor Harassment

Creditor Harassment is Illegal

In today's economy, millions of people have fallen behind on their bills due to job loss, pay cuts, financial emergencies or other financial troubles. One of the worst parts about having a significant amount of debt is dealing with the creditors who continually call, send letters, and threaten or take legal action. While it is the legal right of creditors to collect the debt they are owed, creditor abuse such as harassing or threatening those who owe them money is illegal. As a consumer, you have rights under federal law, including protection from creditor harassment and abuse.

Stop Creditor Abuse

Some common forms of creditor abuse include:

• Failure to identify themselves
• Abusive and/or harassing phone calls
• Pretending to be an attorney or court employee
• Using more than one collections agency to collect a debt
• Calls to family, friends, neighbors, your job, directly to your boss
• False threats, legal notices and claims
• Calls to you before 8AM or after 9PM

Creditors do not have the right to abuse people in their collections action. An experienced bankruptcy attorney from the firm can help end any creditor abuse you may be enduring by filing a claim against a firm that has violated the federal Fair Debt Collection Practices Act . Under the laws protecting consumers, your attorneys can take legal action against a collection agency that is using illegal collection techniques. In some cases, the collection agency may be forced to pay you for damages if they have been found to be in violation of the law.