If you are past due on your bills and debt collectors are starting to harass you, it is important to educate yourself on your rights. The debt collection industry has been widely known to be unscrupulous, but consumer protection laws are allowing consumers to fight back.
The Fair Debt Collections Practices Act (FDCPA) is one of the primary laws that outlines what debt collectors can and cannot do. It prohibits collectors from harassing, abusing or deceiving consumers when attempting to collect a debt. The FDCPA also sets forth damages consumers can recover if debt collectors violate their rights.
It is important to understand that the FDCPA protects you even if you owe the debt. A few specific examples of illegal debt collection practices are:
- Confer with third parties about your debt
- Use curse words or other verbally abusive language when speaking to you
- Call you continuosly
- Call you before 8:00 am or after 9:00 pm
- Contact you at work after you have asked them to stop
If you are the victim of harassing debt collection activities, it is time to contact us for help. We can make sure the harassment stops and we can explore your options for recovering damages from the illegal debt collector. We can also discuss whether filing a bankruptcy case would be a beneficial option for helping you deal with your debt. As soon as you file a Chapter 7 or Chapter 13 case, the automatic stay immediately goes into effect and prohibits creditors from taking any debt collection activities against you.
The more debt you owe, the more you are going to be harassed by debt collectors. Don’t be a victim to abusive behavior. Call us today to get help and learn how to take control of your finances.
At DeLadurantey Law Office, LLC, we help businesses and families find their way out of highly difficult financial situations. We provide the advice and guidance you need in obtaining debt relief through bankruptcy and debt negotiations. We can also assist you in student loan law and defending a foreclosure action. Contact us at 414-377-0518 to discuss how our Milwaukee bankruptcy attorneys can assist you. Like us on Facebook.