Living with debt can take a significant toll on your life. If you have debt and are struggling to make your payments on time, you may find yourself answering phone calls from creditors who tend to only make matters worse.
It is important to recognize that you have rights as a consumer, even if you owe creditors. The Fair Debt Collection Practices Act protects consumers from harassment from debt collectors, but it is important to be aware of the restrictions creditors face because far too many debt collection companies do not obey the rules.
Debt collectors’ attempts to collect debt can push many boundaries and can be a nightmare to deal with. The good news is that the FDCPA provides protections and prohibits creditors from calling you too early or too late in the day, calling your workplace if your employer prohibits it, speaking to a third-party about your situation or talking to you if you have retained an attorney.
Debt collectors will try many different ways to force you into paying your debt, even in some cases where you don’t actually owe anything. This can be very stressful and scary. What should you do if you are facing harassing phone calls from a creditor?
Our law firm understands complex bankruptcy laws and the ways consumers are protected before and after they have filed for bankruptcy. Even if you have not filed for bankruptcy yet, we can help stop creditor harassment. To learn more about creditor harassment, consumer protection laws and how we can help, please visit our stop harassment page.