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.

Get Legal Help to Stop Harassment

You don’t have to stand by and allow a debt collector to harass you. You have legal rights, and Ciment Law Firm will protect them. Call 281-937-3949 to schedule a free consultation.

Tell us about your Debt

Contact Us Today for Your Free Case Evaluation.

We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.

Schedule A Case Review

Latest Blog

What You Need to Know about Student Loan Discharges in Texas

What You Need to Know about Student Loan Discharges in Texas

Student loan repayment plans have many borrowers struggling to meet monthly payments and other living expenses. According to the National Consumer Law …

Read More →
Biden’s Student Loan Forgiveness Program to Cancel up to $20K For Some Borrowers

Biden’s Student Loan Forgiveness Program to Cancel up to $20K For Some Borrowers

(KATY, Texas) The Biden-Harris Administration has announced a Federal Student Loan Forgiveness program that would cancel up to $10,000 for a borrower’s …

Read More →
Bankruptcy Tactics You Should Know About in Texas

Bankruptcy Tactics You Should Know About in Texas

Are you drowning in debt and dealing with harassment from creditors every night during dinner? If so, we understand that the prospect …

Read More →
Will A Debt Protection Program Keep Me from Filing Bankruptcy in Texas?

Will A Debt Protection Program Keep Me from Filing Bankruptcy in Texas?

If your debt is a dark cloud hanging over your life, you’re probably anxiously looking for a way to resolve it. Bankruptcy, …

Read More →
7 Student Loan Forgiveness Programs Every Texan Should Know About

7 Student Loan Forgiveness Programs Every Texan Should Know About

Pursuing higher education is an excellent way for Texans to invest in their future. A degree can pave the way for better …

Read More →
Daniel Ciment

Ciment Law Firm Announces Formation of Firm’s Leadership Team

KATY, Texas – Attorney and owner of Ciment Law Firm, PLLC, Daniel Ciment, a recognized consumer advocate throughout Texas, is pleased to …

Read More →
Scroll to Top
Call Now Button