Creditor Harassment Lawyers in Chattanooga
Protecting Your Right to Fair Debt Collection Practices
Are debt collectors continually trying to contact you to make you pay back what you owe? You may be a victim of creditor harassment. Conner & Roberts, PLLC can help you put an end to your debt collector’s abusive behavior and oppressive collection practices. Our Chattanooga creditor harassment attorneys have nearly 40 years of combined experience and a proven track record of success. Let us evaluate your situation and help you understand your legal rights and options during this time.
Your Rights against Creditor Harassment
In an effort to halt abusive behavior from creditors, Congress established the Fair Debt Collections Practices Act (FDCPA). The FDCPA contains several regulations for how third-party debt collectors attempt to recover what they are owed.
Although there are many legitimate ways that a collection agency may contact you, including by phone, mail, fax, or in person, there are several practices that are not legally permissible.
Prohibited debt collection practices include:
- Harassing, abusing, or oppressing debtors
- Using false or misleading statements
- Speaking to a debtor instead of their attorney
- Engaging in unfair practices when trying to collect a debt
- Failing to disclose that they are a debt collector when they call
- Communicating with debtors at an inconvenient time or place
- Disclosing a debt to third parties other than a spouse or lawyer
- Threatening a lawsuit when there is no intent to take legal action when the threat is made
- Threatening to take actions against the debtor that are unlawful
If you have a debt collector who is performing any of these prohibited actions, you should consult with our experienced creditor harassment lawyers right away. We can put an end to the troubles you are facing. Make sure you contact us as soon as possible, as you only have one year to file a lawsuit from the date you experienced the abuse.
How Many Calls is Considered Harassment?
While contacting via phone is a legal way to collect, any action in which a creditor or debt collector calls more than 3 times per day can be considered harassment. It's incredibly important to document these actions and contact our attorney. This can be done by taking screenshots of your caller ID. This California Civil Code details the laws surrounding phone harassment.
Can You Sue a Loan Company for Harassment?
According to the federal Fair Debt Collection Practices Act, you are given the right to sue any debt collector if they are engaging in acts of harassment towards you. Damages accrued from said lawsuit can reach up to $1,000, including any fees from your attorney or the court.
How Filing for Bankruptcy Can Help
At Conner & Roberts, PLLC, we help individuals and families get relief from their debts and debt collectors in a variety of ways. One way we do this is by assisting them in filing for bankruptcy. Taking this legal action not only discharges certain unsecured debts but also serves to stop creditor harassment. For more information about bankruptcy and to discover if it is the right option for you, reach out to our experienced legal team today.
Contact (423) 299-4489 now to schedule a free consultation with our Chattanooga creditor harassment lawyers.
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