Standing Up For Victims Of Creditor Harassment

Few things in life are more stressful than harassing calls from creditors. As if dealing with debt wasn't enough, you may now be getting phone calls at all hours of the day at home and work. Debt collectors may even have contacted your family members.

Did you know, however, that creditors have to follow certain rules when contacting people about debt? To put it simply, harassment is not allowed. If you believe your rights have been violated by a creditor, it is important to speak with an attorney who has experience with the Fair Debt Collection Practices Act (FDCPA) and can help you put an end to the harassment.

Lawyer David A. Wijewickrama has more than a decade of experience protecting people in Waynesville and throughout western North Carolina who have been victimized by unruly creditors. We understand that you are under a lot of stress. We will work quickly to protect your rights and stop debt collector harassment.

The Rules Of The FDCPA

Most debt — including credit card debt, mortgages, medical debt and car loans — is protected by the FDCPA. The only debts that are not are those related to running a business. The law restricts the way that creditors can contact you no matter how much debt you owe. Some of the rules creditors must follow are:

  • They cannot contact you before 8 a.m. or after 9 p.m.
  • They must tell you that they are debt collectors. They cannot hide their identity.
  • They usually cannot discuss your debt with anyone besides you, your lawyer and your spouse. They may reach others to seek your contact information if you do not have a lawyer.
  • Debt collectors are forbidden from harassing you, which includes threatening you, calling you repeatedly to annoy you, and cursing and using other profane language.
  • They cannot lie to you. Common lies include saying that you committed a crime, saying you owe more or less than you do and saying that they represent someone they do not.

These are just a few of the rules that creditors are required to adhere to. If you have experienced other behavior that you think may be illegal, you may be right. We can help you determine if it is.

How To Stop Harassment

After you have been contacted by a creditor, you can send a letter either asking for verification of the debt or explaining that you do not owe debt. At this point, the creditor must stop contacting you until verification of your debt is sent.

While sending a letter will give you some relief, it is a good idea to contact an attorney as well. In fact, once you are represented by an attorney, the creditor can contact only your attorney — not you. At our firm, we can help determine if a creditor is violating state or federal laws and begin dealing with the creditor ourselves.

Stop Repeated Creditor Calls Now. Call Us Today.

Call us today at 828-283-0068 or contact us by email to learn more about how we can protect you from harassing creditors.