Nothing can be as stressful, aggravating, and intimidating as creditor harassment. If you are under siege from creditors or collection agencies concerning unpaid debt, that is a sure sign that you are in deep financial trouble and should seek the help of a dedicated and knowledgeable attorney. At Barrios & Machado, we focus on giving you the information and guidance you need to end creditor harassment. An Orange County bankruptcy attorney at the firm can inform you of your legal rights pertaining to unfair, deceptive, or abusive treatment by creditors and help you take legal action against abusive creditors as well as provide the guidance you need to restore you r financial stability. We recommend that you contact the firm to arrange to speak one of our attorneys as soon as possible.
The Fair Debt Collection Practice Act
As a debtor, you are protected by federal law. The Fair Debt Collection Practice Act (FDCPA) prohibits debt collectors from certain behavior, such as calling outside of certain hours, not ceasing contact after receiving a written notice, repeated phoning, calling you at work, calling you when you have an attorney, using misrepresentation or deceit concerning your debt, using abusive or profane language, seeking amounts that are not justified per law, falsely reporting information on your credit report, and more.
Anyone contacting you as a debt collector must identify themselves as well as provide you with the name and address of the original creditor to whom you owe money, notify you of your right to dispute the debt, and provide a verification of the debt.
Any debt collector who is convicted of violating the FDCPA may face up to $1,000 in statutory damages, attorney fees, and court costs in a lawsuit brought by a victimized consumer.
For legal assistance with creditor harassment of any kind, talk to one of our capable attorneys about your situation today.
Contact an Orange County bankruptcy attorney at the firm to find out how you can stop creditor harassment today.