Are you being harassed by creditors?
If you are being harassed by creditors because you are behind on paying your bills, it is important that you understand your rights under the Fair Debt Collection Practices Act (FDCPA). Enacted in 1977, the FDCPA is federal legislation that governs the debt collection industry and helps prevent collection abuses.
The act prohibits debt collectors from activities such as:
- Calling before 8:00 a.m. or after 9:00 p.m.
- Contacting you directly when you are represented by an attorney
- Using derogatory or obscene language
- Threatening you with arrest if you do not pay
- Making other legal threats when no such action is intended
- Providing false or misleading information
A bankruptcy attorney should be contacted at once if a debt collector is engaging in unlawful behavior. Your rights deserve to be protected and the collection agency held accountable for their illegal actions.
Creditor Harassment Lawyer in Mesa
When a collection agency violates the laws pertaining to the collection of a debt, they can face legal action and could be forced to pay you damages for the stress and anxiety their threats caused. Attorneys at Dodge & Vega, PLC will take immediate action if you are being harassed by a creditor, and put an end to the abuse by filing a complaint or pursuing the matter in court. If you are in financial trouble, we can also help you eliminate your debts and get back in control of your finances. Our firm can review your financial situation and give you sound advice regarding your legal alternatives, such as debt settlement, debt consolidation, loan modification and filing for bankruptcy. We are a skilled bankruptcy law firm that can be trusted to provide you with accurate and helpful information regarding your money problems.