Fresno Creditor Harassment ATtorney
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In addition to the financial burden that debt brings, it can also bring significant levels of creditor harassment. For those who live in Fresno, there are two ways that Fear Waddell, P.C. can help protect you against creditor harassment. Firstly, by advising you of your legal rights as a debtor and representing you if those legal rights are being violated. Secondly, we can provide you relief from creditors is by filing for bankruptcy on your behalf. Though bankruptcy is a serious financial declaration that should be based on more than a desire to avoid harassing creditors, it is oftentimes the best way to recover your financial freedom.
What Are Common Violations of the FDCPA?
The Fair Debt Collection Practices Act (FDCPA) provides a number of protections to debtors that most creditors don't want you to know about. Though these protections don't remove your financial obligations, they do dictate the means by which a creditor can legally seek payment.
These are some of the most common FDCPA violations:
- Failing to send a written debt validation notice that includes the amount of debt, name of creditor, and notice to your right to dispute the debt within 30 days.
- Excessive phone calls -- several calls a day or several calls in a row
- Using threatening or obscene, and profane language
- Improperly contacting or sharing your information. For example, a collection agency informing a third party of the debt without your written permission.
- Continued attempts to collect debt that is no longer owed or does not belong to you to begin with.
End the harassment today by reaching out to Fear Waddell, PC. Your initial consultation is free of charge.
How Do I Know if a Creditor's Behavior is Unlawful?
As a consumer, you have rights that protect you. Our creditor harassment attorneys in Fresno have years of experience and know your options when it comes to fighting against creditors.
By law creditors are prohibited from:
- Disclosing your debt to neighbors or employers
- Calling you at work, calling repeatedly, or calling late at night
- Using obscene or insulting language
- Threatening you with arrest or unlawful repossession
- Making public your debt obligation
Put an End to the Harassment
If a creditor turns you over to a collection agency, hiring an attorney can give you some immediate relief. If you send a written notice to the collector that you've hired an attorney, then that creditor has to contact the attorney, instead of calling you. In cases where bankruptcy has been filed, an automatic stay prohibits virtually all collection attempts. Any repeat violation of the automatic stay would be sufficient grounds for a lawsuit. Whatever the specifics, the bankruptcy lawyers at Fear Waddell, P.C. can help protect you against creditor harassment.
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