Help! My Creditors are Harassing Me!

My creditors are calling me nonstop. They even started calling me at work! Can they do this?

Let me explain the Fair Debt Collection Practices Act, or FDCPA. The FDCPA makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. Some examples that are prohibited by the FDCPA are:

• Repeatedly calling on the phone to harass. Debt collectors can’t contact you at inconvenient times or places. They can’t contact you before 8am or after 9pm, unless you agree to it. They also can’t contact you at work if they are told you are not allowed to get calls there.
• Use profane or obscene language.
• Threaten you with violence or harm.
• They cannot lie. They can’t misrepresent the amount you owe, lie about being attorneys or government representatives, falsely claim you’ll be arrested, or claim legal action will be taken against you if it is not true.
• Contact you if you have retained a bankruptcy attorney. If you have retained an attorney to represent you in a bankruptcy, your creditors need to contact the attorney. If you are currently in a bankruptcy and a creditor that is listed in the case calls, let them know you have filed, give them your case number and your attorney’s phone number. If they continue to contact you directly, let your attorney know because the creditor is now in violation of the bankruptcy stay.

Our firm understands how stressful it is to be worried all the time about who is on the other end of a phone call. We are committed to helping relieve you of that stress and getting you a fresh start! Give us a call for a free consultation to know all your options!