Are Your Being Harassed by Creditors?
Talk to a Fresno Creditor Harassment Attorney About Your Options
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. The first is by advising you of your legal rights as a debtor and representing you if those legal rights are being violated.
The second way 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.
Get the support and tools you need to end harassment. Contact our Fresno bankruptcy attorneys today.
How Do I Know if a Creditor's Behavior is Unlawful?
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.
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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