Fair Debt Collection Practices Attorney
While creditors have a right to try to recover money that they are owed, that right does not allow them to use harassing and illegal collection practices. At The Law Offices of Jose C. Campos, Esq., we advocate for your rights and work to stop creditor harassment.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act requires that creditors treat debtors fairly, and it protects consumers from bullying and harassment by collectors. The Fair Debt Collection Practices Act applies to personal, household, and family debts such as money owed for the purchase of a car, medical care, and department store charge accounts.
Many times when a debt is owed, creditors call relatives and neighbors if they cannot reach the debtor. Debt collectors are only allowed to call other people to find out where you live, your phone number, and where you work, but they cannot tell people that you owe money. Collectors may call you in the early hours of the day or well into the evening. They may threaten you if they do not receive payments. A collector may contact you by phone, but not at inconvenient times (before 8:00 a.m. or after 9:00 p.m.), unless you agree, and they may not call you at work if the collector knows that your employer disapproves of such calls.
Helping You Face Creditors
There is no reason to face creditors alone. They may attempt to make you feel guilty or irresponsible for not paying the money that you owe, all the while abusing the Fair Debt Collection Practices Act. Constant calls to your house can wear you down and create great stress in your life. If you have an attorney, the debt collector must contact the attorney, rather than you. At The Law Offices of Jose C. Campos, Esq. we will serve as your advocate against the collectors who are harassing you. By filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy, we can immediately put a stop to those harassing phone calls. If they continue, merely provide them with the name and telephone number of your lawyer.
Creditors must abide by the Fair Debt Collection Practices Act and when they do not, we will serve as an aggressive advocate through the legal process of bankruptcy. For more information on fair debt collection or to schedule an appointment with an experienced bankruptcy lawyer, please contact us.