Protecting Your Rights With Consumer Law Professionals
The debt collection abuse lawyers at Consumer Law Professionals are dedicated to protecting your rights in credit, collections, and reporting. If you’re ready to stand up against harassing debt collectors, reach out to us. Share your situation using the contact form on this page, or call us at (610) 924-2567. We've represented thousands of consumers and are ready to put our experience to work for you.
Receive Priceless Protection At No Cost
State and federal laws, such as the Fair Debt Collection Practices Act (FDCPA), safeguard consumers from deceptive and abusive debt collectors. The FDCPA requires collection agencies to cover your reasonable attorney’s fees for successful claims. At Consumer Law Professionals, you pay nothing, even if your claims are unsuccessful.
Abusive debt collection practices cause stress for millions of Americans each year. Many feel they must endure the abuse due to their inability to repay debts. However, laws protect consumers against harassment from collection agencies and attorneys. Our experienced debt collection abuse attorneys can help you combat collectors who use abusive practices, including calls at inappropriate times, contacting family and friends, using profane language, and making threats.
Debt Collection Abuse
How can an attorney help stop debt collection abuse when collectors are harassing you? Although laws protect consumers against harassment, abusive collection agencies often ignore these laws. Writing letters or making calls to remind collectors of their inappropriate actions may not be taken seriously until a licensed attorney is involved.
Collection agencies often assume that individuals without legal representation are unaware of their rights. The process of stopping harassment requires several steps, which can be overwhelming for consumers to handle alone.
If you’re unsure whether an attorney can help stop debt collection abuse, consider the following actions a legal professional can take on your behalf:
- Send a letter requesting that the creditor end all communication.
- Ask the creditor to provide proof of the debt.
- File a lawsuit if the creditor continues to harass.
- Document harassing phone calls, letters, emails, or text messages.
- Access phone records to prove harassment.
- Determine if the creditor has a history of abusive practices.
Debt Collection Laws
Laws exist to protect consumers from abusive debt collection practices, allowing them to maintain their quality of life despite owing debts. No one should endure constant harassment due to past financial decisions.
Fair Debt Collection Practices Act (FDCPA)
The FDCPA protects consumers from abusive collection practices by prohibiting certain actions and providing recourse for harassment. Creditors can attempt to recover debts but must avoid prohibited conduct.
Consumers who feel harassed by creditors should understand prohibited practices under the FDCPA, including:
- Calling between 9 p.m. and 8 a.m.
- Continuing contact after a request to cease communication.
- Letting the phone ring continuously to cause a nuisance.
- Contacting at the workplace after being asked not to.
- Pretending to be law enforcement.
- Providing false information about the debt.
- Publicizing the debtor’s identity.
- Charging excessive fees.
- Claiming the right to have the debtor arrested.
- Using profane language.
- Contacting friends, family, or neighbors to embarrass the debtor.
- Sending false information to credit reporting agencies.
Collection Agencies
Collection agencies must comply with these requirements and cannot use abusive practices to collect debts. They must pay reasonable attorney fees if a debtor files a lawsuit due to harassment, meaning services from Consumer Law Professionals are free for debtors. We are compensated by the harassing creditors, so you don’t have to worry about additional legal costs.
Stopping Debt Collectors - What Constitutes Harassment?
Debt collectors can contact debtors at certain times, but repeated calls throughout the day, abusive language, or threats are considered harassment. Callers must identify themselves, and any false information used to gather details or threaten arrest is also harassment.
Getting Help Fighting Back Against Harassment
Are you dealing with stress and fear due to threatening calls from collectors? Do you want to fight back against harassment? Consumer Law Professionals can help. Our experienced attorneys provide compassionate representation to stop abusive practices.
We don’t charge you anything—the abusive collectors pay our fees. You may even be entitled to compensation of up to $1,000 for harassment damages. Contact us at (610) 924-2567 or fill out the form on this page. We’ll review your case and start fighting on your behalf, at no cost to you.
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