Are threatening creditors harassing you?
Creditor harassment has become a widespread situation in these tough economic
times. There are strict laws that they must comply to but, unfortunately,
they do not always follow them. The Fair Debt Collections Practice Act (
FDCPA) is one such law that was designed to protect you from abuse and trickery.
If you are behind or your bills, considering
bankruptcy or already in bankruptcy creditor harassment is not allowed. To resolve
any confusion about what constitutes harassment by collection agencies
and others, here is a short list of what is illegal:
- Repetitive phone calls or calls made outside the hours of 8:00 a.m. to 9:00 p.m.
- Contacting your friends, family or neighbors about you
- Using abusive or obscene language
- Refusing to identify who they are
- Calling your workplace after your employer has prohibited it
If a debt collector is harassing you, an Irvine bankruptcy lawyer from
Peter Rasla & Associates, P.L.C. can work with you to help stop the abuse.
How an Irvine Bankruptcy Attorney Can Help
Creditors, when they are unable to collect a debt, can bring a lawsuit
against you or other aggressive legal actions. Some creditors sell uncollected
debt to collection companies. If those companies are unable to collect
the debt they may also file a lawsuit against you. In either case you
will need professional legal representation.
Don't wait until things progress to that point. The firm can evaluate
your financial situation and advise you on actions you can take to stop
the harassment. Bankruptcy is one option that will put an immediate stop
to any type of calls or collection actions. There are
alternatives to bankruptcy and the firm will know which is the best option for you. If you are being
harassed by creditors,
contact the firm today.