How can a law firm help with creditor harassment?

Many individuals out there struggling to deal with their debt have had the unfortunate pleasure of having to deal with collection phone calls.

What many people do not realize is that there are federal laws in place to protect their rights and that collection companies are required to follow these laws or risk the possibility of being sued.

Possible Violations for the Fair Debt and Collections Practices Act:

• Calling the customer's place of employment after the debt collector knows the consumer's employer prohibits calls or the consumer asks the debt collector not to call at work anymore.
• Threatening that nonpayment will result in imprisonment, garnishment, and/or liens if the debt collector is not an attorney
• Contacting the consumer's neighbors, friends, family members, ect. when the debt collector allready knows how to contact the client. (they are only allowed to contact third parties to get the consumer's contact information.)
• Disclosing to friends, family members, etc. that the consumer owes a debt.
• Harassing, oppressing, insulting or verbally abusing the consumer(this is VERY broad.)
• Threatening to sue when the debt collector is not an attorney/law firm.

In addition to having a national law firm negotiate debts, the law firm supports you in making sure any collection agencies are not violating federal law when collecting debts. If while in the program any collection agencies start to harass you, then you can sue them and the national law firm will handle the case at no additional charge and likely be able to recover money for you.

If you are falling behind on your bills and are receiving phone calls from the creditors, I would suggest speaking to someone to see if the law firm can assist you in both finding a solution to your situation and assist you in protecting your rights.

To speak to someone about this click here