Creditor Harassment

Are You Being Harassed By Creditors?

When you are in financial trouble and get behind on your bills, you will start receiving calls and written notices from creditors demanding payment. If the creditor is unable to collect on the debt, they will usually take some form of legal action against you, such as a lawsuit, foreclosure or repossession. Some creditors will sell their bad debts to collection companies. If the collection agency does not succeed in getting the debt paid, they can file a lawsuit as well.

There are various state and federal statutes that govern debt collection agency activities, including the Fair Debt Collections Practice Act (FDCPA). The purpose of the FDCPA is to prevent collection abuses and deceitful conduct. It also defines the rights of consumers involved with collection agencies, and assigns penalties to any debt collector that violates FDCPA statutes.

If you are being harassed by a debt collector, a Cerritos debt settlement attorney should be contacted immediately to find out about FDCPA guidelines and get assistance with filing a complaint. A competent bankruptcy lawyer will also be able to discuss legal remedies that can prevent foreclosures or repossessions.

Cerritos Creditor Harassment Attorney

Creditors can be extremely unforgiving when it comes to missed payments, regardless of your situation and best intentions to pay back the money that is owed. In addition to bombarding you with payment demands, they will aggressively pursue whatever legal options are available to them to recover their money or property.

You rights to fair debt collection practices are protected by law, such as:

• Collection calls between the hours of 8:00 a.m. to 9:00 p.m.
• No profane or derogatory language
• Not disclosing your debt situation to other individuals
• Not calling your workplace if your employer prohibits such calls
• No legal threats if there is no intention to take these actions

RJB Law Offices can prevent creditor harassment and help you with your financial difficulties. In addition to putting a stop to collection abuses, we can evaluate your debt situation to see if you qualify for bankruptcy or other legal measures that can protect your assets.