Dealing with Creditor Harassment?
Let Us Help You Fight Creditor Harassment
Have you been harassed by a creditor? No matter how much money you owe or how long it has been since you last made a payment, you should not have to suffer the indignity of creditor harassment. Laws do exist to protect individuals from excessive harassment and overly aggressive collection practices. Among these laws governing the debt collection is the Fair Debt Collection Practices Act. This law is a powerful tool designed to defend debtors against violations of federal law by collection agencies. If you would like to learn more about defending yourself against creditor harassment, you should seek out our
Orange County bankruptcy lawyer without delay.
Creditor harassment can come in many forms. It is important that you look out for the following:
- Intimidation tactics
- Excessive phone calls or letters
- Abusive or aggressive language
- Threats of legal action
- False identification or misleading statements
In these situations it is very important to document any threats so that effective action can be taken on your behalf Collection agencies buy unpaid debts from banks and other lenders at a fraction of the cost of the total debt. After buying this debt for pennies on the dollar, these agencies are determined to collect their profits. It is in a collection agency's best interests to harass debtors in an attempt to squeeze as much money out of them as possible in order to maximize profits. What you actually pay should be negotiated by a professional from our firm.
How an Orange County Bankruptcy Attorney Can Stop Harassment
At 1st California Law, we fight for our clients. Our attorneys are well-versed in the laws governing debt collection practices. We will use our knowledge and expertise to help you break out of the cycle of abuse. Collection agencies must follow the guidelines set out in the Fair Debt Collection Practices Act; failure to do so can result in significant penalties and other legal repercussions.
We understand that few things are more frightening and overwhelming then being harassed by a collection agency. When a collection agency contacts you, it must follow the proper protocol, required by law. The caller must identify himself, provide you with the name and address of the original creditor, notify you of your right to dispute the debt and provide a verification of the debt.
Creditors will often make phone calls to someone's cell phone or home phone, or sometimes even to their place of work. These calls can be frustrating and can make an already busy day even more packed and anxiety-filled. If you have not been treated with the proper respect and a collection agency has been harassing you, we can help!
Do not sit back while creditors and collection agencies take advantage of you. Speak to one of our Santa Ana attorneys today. Call an Orange County bankruptcy attorney at our firm immediately to get the aggressive legal representation you deserve on your side!