What Can I Do When the Creditors Keep Calling?
Misinformation: Creditors have a right to call you any time of the day or night if you owe them money.
The truth: Creditors cannot call repeatedly to annoy or harass you.
Harassment by creditors is one of the most serious issues affecting people with debt problems. Even if you do not face immediate financial harm such as home foreclosure or garnishment, creditors can make your situation unbearable with endless, harassing calls and abusive treatment.
You should read the Fair Debt Collection Practices Act and familiarize yourself with the rules that govern debt collection practices.
There are ways to stop creditor harassment. At The Day Law Office in Spring Hill, Florida, our lawyers offer a free initial consultation to discuss your financial situation and determine an appropriate way to stop abusive debt collection practices.
Can I Sue Creditors Who Are Harassing Me?
Under the Fair Debt Collection Practices Act, you can sue creditors who use abusive debt collection practices. The following are examples of practices that are considered abusive:
- Making comments that are intended to intimidate or harassment
- Calling you repeatedly to annoy or harass you
- Threatening you with violence or jail
- Using obscene language
- Publishing lists of debtors
- Making any type of misrepresentation to you about your debt
Will Filing Bankruptcy Stop Creditor Harassment?
Filing bankruptcy will put an immediate stop to creditor harassment. In fact, once you tell a creditor that you are represented by a lawyer, the creditor should be calling your attorney.
You can also send a cease and desist letter to the creditor.
Free Attorney Consultation
To schedule a free initial consultation with an attorney about ways to stop creditor harassment, call us toll free at 888-326-9553 or fill out the contact form on this web site. Our law office is located in Spring Hill, Florida, in the center of Hernando County.
"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."
