Frequently Asked Questions About Debt Collection Harassment Laws
Q: Are there rules about when and how a debt collector can call me?
A: Debt collectors must follow the rules established by the Fair Debt Collection Practices Act (FDCPA). This federal law says that debt collectors may not contact you at work if they know your employer doesn’t approve of personal phone calls at work. Debt collectors also may not call you before 8 a.m. or after 9 p.m. and may not call repeatedly or continuously.
Q: Do the laws covering debt collection protect me when the debt is mine?
A: Yes! The FDCPA gives you the right to fight illegal debt collection practices in all cases, including situations when you owe the debt.
Q: How can an attorney help stop these harassment methods?
A: A debt collection attorney can review any collection letters or recorded messages you received to determine if the debt collector used language that is prohibited by the FDCPA or otherwise engaged in illegal harassment. If a violation occurred, your attorney can help stop the harassment. Your attorney can also file a lawsuit on your behalf and fight to help you obtain the compensation the law says you are entitled to receive.
Why Work With a Debt Collection Harassment Attorney?
Stein Saks, PLLC can work on your behalf to stop debt collection harassment. Our experienced attorneys understand the laws related to fair debt collection practices, and we know when a debt collector has crossed the line. If you have been the victim of this type of harassment, you may be entitled to compensation.
Additionally, you don’t need to worry about incurring legal bills in the process. Taking legal action against a creditor won’t cost you anything! The defendants must pay the fees and costs associated with litigation. In other words, representation is FREE.
We sue debt collectors who are harassing, threatening or engaging in abusive behavior. We are ready to discuss your situation and review any collection letters you may have received. Call Stein Saks, PLLC for a free consultation and we will advise you of your legal options.