Do you repeatedly receive harassing phone calls from creditors or debt collectors? Have you been threatened by one of your creditors or a debt collector? Has a harassing creditor called your place of employment? If you answered yes to any of these questions, you may be a victim of illegal creditor harassment and you should consult with a debt relief lawyer regarding potential violations of your legal rights.
When to Contact a San Diego Debt Collector Harassment Attorney
Debt collector harassment is a very real and persistent problem affecting millions of people in the United States. Despite laws prohibiting creditor harassment, creditors routinely engage in illegal collection practices and intimidation tactics against consumers. Contact a San Diego debt collector harassment attorney at Bankruptcy Legal Center when you have been a victim to any of the following potentially illegal debt collection practices:
- Calling you multiple times throughout the day to harass or annoy you.
- Calling you after you tell them that you are represented by a lawyer.
- Calling you very early in the morning.
- Calling you very late at night.
- Calling your employer when not absolutely necessary for collecting the debt.
- Using obscene or profane language during a harassing phone call.
- Communications falsely appearing to be authorized or issued by government.
- Communications falsely appearing to be approved by government.
- Communications falsely stating that the person is an attorney.
Fair Debt Collection Practices
In all 50 states, the Fair Debt Collection Practices Act (FDCPA) (Title 15 of the United States Code, Sections 1692 and related Sections) prohibits creditor harassment and intimidation tactics and provides statutory penalties. In California, the Rosenthal Fair Debt Collection Practices Act (California Civil Code Sections 1788 and related Sections) additionally prohibits credit harassment and intimidation tactics and provides statutory penalties. However, the reality is that most creditors continue to harass notwithstanding the Federal Law and California Law, because they figure that chances you will not hire a lawyer to sue them, and, in the rare case that you do hire an attorney to sue them, their accounting departments tell them that they still make more money by continuing their harassing conduct than if they played by the rules.
Bankruptcy: a True Debt Relief Solution
When your bankruptcy lawyer files your bankruptcy petition with the Court, an automatic bankruptcy stay goes into effect by law that will finally put an end to and stop creditor harassment, including harassing phone calls, dead in its tracks. Bankruptcy law places stiff penalties against creditors and debt collectors for any phone calls or other contact with you or your employer once you file bankruptcy. The automatic stay gives you true debt relief by freezing all collection activity against you. Once your creditors are notified of your filing, you should never hear from them again. The harassing phone calls from creditors are stopped and you are finally freed of creditor harassment.
Talk to a Creditor Harassment Lawyer
A San Diego creditor harassment lawyer can help you protect yourself against illegal creditor and bill collector harassment. Call Bankruptcy Legal Center to set up a free consultation with an attorney to learn how you can stop harassing phone calls and illegal creditor harassment for good.