We Can Put A Stop To Creditor Harassment
Debt collectors can be persistent, aggressive, rude and unscrupulous. Some can bother you many times a day, multiple times a week and at all times of the day. They may even have contacted your relatives and workplace. Worse, they may have intimidated you with threats and profanity.
You don’t need this stress, humiliation and worry. You may be in debt and trying to resolve it, but you also have rights. You are a person who has the law on your side when it comes to stopping creditor harassment. Poole, Mensinger, Cutrona & Ellsworth-Aults, in Wilmington, Delaware, is a seasoned law firm that understands the intricacies of bankruptcy law and dealing with debt. We can help you.
You Have The Law On Your Side
When confronted with unseemly and obnoxious debt collectors, you need to make sure to stay calm, keep thorough records and seek verification of the debt. However, this isn’t enough. You have rights under the Fair Debt Collection Practices Act (FDCPA). This law prohibits specific debt collector behavior and protects consumers from such harassment.
Key facets of the FDCPA make it illegal for debt collectors to:
- Contact you at work
- Contact your family and employer
- Contact you repeatedly during the day
- Use insulting and profane remarks
- Threaten you with arrest, loss of child custody and welfare benefits
You can send a letter to the creditor, insisting they cease communications. If they ignore your letter, you can file a complaint with the Federal Communications Commission, informing the agency that the creditor is breaking rules within the FDCPA.
Filing for bankruptcy would also put a stop to such harassment. Declaring bankruptcy initiates an automatic stay to fend off creditors as well. An automatic stay is an injunction that prevents most actions pursued by creditors in collecting debts. If you are considering bankruptcy, it's crucial to retain a skilled bankruptcy attorney.
We Confront Creditors, So Call Us
Harassment from creditors needs to stop, and our team of experienced attorneys has the knowledge and skills to make this happen. Poole, Mensinger, Cutrona & Ellsworth-Aults, in Wilmington, Delaware, is an assertive group of lawyers prepared to advocate for you and stand up to any unseemly creditor. We provide the attention you need. For an initial consultation, contact us online or call 302-428-0100. Se habla español.