I need help with a creditor that is harassing me
I Need Help With a Creditor That Is Harassing Me
When you get behind in your payments, it’s normal for creditors to contact you. However, some creditors cross the line that stands between contact and harassment. Fortunately, there are laws in place to protect you from harassment. The Federal Debt Collection Practices Act (FDCPA) protects you on the federal level, while the Texas Debt Collection Act protects you as a Texas resident. Ciment Law Firm can also help by ensuring that creditors follow the law when collecting a debt.
How to Stop Collection Calls
Both state and federal law allows debt collectors to call and send letters. Debt collectors are legally entitled to call repeatedly between 8 a.m. and 9 p.m. They are even allowed to contact you at work, but only to locate you. They cannot discuss the debt with your employer or coworkers.
If you tell a debt collector to stop calling you, the company must comply. Of course, this can put you in a difficult situation. You won’t know if the collector is escalating your case until it’s too late if you cut off all contact. You can avoid this problem by hiring Ciment Law Firm. Then all of the debt collector’s communications must go through the attorney. You will still get information about your case, but you won’t have to deal with the debt collector directly. This is an easy way to stop the harassment.
Know Your Rights Under the Law
It’s against the law for debt collectors to contact you after you tell them to stop. That’s just one of many potential violations. Creditors commonly violate the law by lying to consumers. For example, a debt collector might promise to settle for a lower amount if you make a payment, even though a settlement isn’t actually on the table. The collector also might make a threat that it can’t or won’t carry out. Common threats include saying the consumer will go to jail if they fail to pay or that the bank account will be frozen if payment isn’t made immediately. Some creditors even claim that the debtor will lose child custody or benefits if they don’t pay. These are all false statements and illegal collection tactics.
Protecting Yourself Against Illegal Collection Practices
Hiring a lawyer is the easiest way to protect yourself against illegal collection activities. Along with handling all communications, your lawyer will review previous collection efforts to see if the creditor broke the law when dealing with you. If a creditor violated the law, Ciment Law Firm could file a claim on your behalf. You might be eligible for up to $1,000 for each violation, along with your attorney’s fees.
Ciment Law Firm can also provide debt relief. From bankruptcy to debt settlement, a lawyer will go over your options.
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