If you are getting non-stop abusive and harassing phone calls from debt collectors, this can make you feel trapped. Often, collectors will treat you with disrespect when you tell them that you cannot afford to pay, although you would like nothing more than to be able to pay the debts you owe. Instead of trying to work with you to create a payment plan you can afford, sometimes these collectors turn aggressive, speaking to you abusively, rudely and offensively. These abusive calls can make you feel like you have hit a brick wall and that you have no way out; it is our goal to stop these debt collectors in their tracks.
More often than not, creditors and debt collectors resort to intimidating and abusive tactics, including constant telephone calls where they contact not only the consumer but also the consumer’s family, friends, neighbors and even the consumer’s employers. Not only do collectors contact family and supervisors of consumers, collectors also threaten them and tell them about the consumer’s alleged debt.
The Fair Debt Collection Practices Act (FDCPA) was passed in order to protect people from abusive tactics taken by creditors or collection agencies in the collection of debt. The FDCPA is a federal law that limits the behavior and actions of debt collectors who are attempting to collect the debt for another person or entity. The law restricts the means and methods by which they can contact the debtor, as well as the time of day that contact can be made. If violated, suit may be brought within one year to collect damages and attorney fees.
For more information regarding debt harassment and suspected violations of the Fair Debt Collection Practices Act (FDCPA), please contact our firm to schedule a free initial consultation.