Creditor Harassment
Kane County Bankruptcy Attorney
Filing for bankruptcy will place an automatic stay on all collection efforts by creditors. This includes continued contact or harassment by creditors and debt collection agencies. Additionally, debtors are offered protection from creditor harassment and abuse under the Fair Debt Collection Practices Act (FDCPA), a federal statute passed in 1978 as Title VIII of the Consumer Credit Protection Act. In regulating creditors and collection agencies, this Act serves to protect consumers from unfair debt collection practices.
If you or someone you know has been the victim of creditor harassment or creditor abuse, contact Kane County bankruptcy lawyer Joseph Doyle for a free consultation. In addition to discussing how bankruptcy can help you in the face of these unfair practices, Attorney Doyle can also talk to you about your rights as a consumer under the FDCPA and whether you may be entitled to legal recourse.
Examples of Creditor Harassment
Creditor harassment or abuse may take on different forms and can affect a consumer in different ways. In addition to causing emotional distress, creditor harassment may actually have financial consequences on a person and may affect his or her reputation, employment and personal relationships. Following are some examples of creditor harassment:
- Contacting a debtor before 8am or after 9pm
- Contacting a consumer with the intent of harassing or annoying him or her
- Discussing the debtor’s situation with a third party, such as an employer
- Contacting a debtor known to be represented by an attorney
- Threatening legal action without any foundation or ability to do so
- The use of profanity
- Threatening the debtor
- Misrepresentation
- Contacting a debtor at his or her place of employment, after knowing that the employer prohibits or does not accept this
Find out how you can stop creditor harassment! Contact the Law Office of Joseph P. Doyle today.
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