San Jose Creditor Harassment Lawyer
Are You Being Harassed by Creditors?
Consumers need to be aware that they are entitled to protection from creditor
harassment under the Fair Debt Collection Practices Act. This legislation
addresses the issues of unfair harassment and unlawful threats used by
creditors attempting to collect debts. Despite such laws, however, unfair
harassment and threats are still used.
Common methods of harassment by creditors include:
- Intimidation
- Verbal abuse
- Threats
- Excessive contact
- Profanity
- Dissemination of false data
If unethical actions are being taken against you, our
bankruptcy lawyers in San Jose have the resources you need for protection.
Contact our firm at your earliest convenience to pursue a positive case outcome.
Illegal Practices by Debt Collectors
No matter what the reason for your debt situation, you still have rights
that need to be protected. Creditors prey on vulnerable debtors in your
situation, but we are prepared to fight on your behalf. You are already
facing anxiety and emotions because of your debt, so don't let illegal
debt practices make your situation worse.
Examples of actions that debt collectors are not allowed to take include:
- Impersonating a law enforcement officer
- Failing to disclose a debt collection attempt
- Making excessive phone calls at odd hours of the day or night
- Implying that you are acting as a criminal
- Using public humiliation tactics to collect debts
- Making unsubstantiated threats of arrest or other actions
Creditors do have a right to collect the money that you owe, but they are
not entitled to harass you. If you are faced with illegal actions or harassment
from a debt collection agency, we encourage you to speak with our firm at once.
Obtaining an Automatic Stay of Relief
Among the defensive actions that we can take on your behalf, your best
option may be to file for bankruptcy. Immediately after filing for bankruptcy,
an automatic stay is set in place, which prevents further debt collection
attempts. Contact our firm for assistance and the legal protection you need!