Legal Assistance with Abusive Creditor Behavior
You may find yourself in a very difficult financial position of late. The needs of your loved ones come first and foremost - keeping a roof over their head, clothes on their back and food on the table. If you have put credit cards and other debt on the back burner just to stay afloat, you are probably receiving threatening communication from creditors. But you need to know that you are strongly protected under law, and there are certain things a creditor cannot do in an attempt to collect a debt. If you feel that you have been a victim of creditor harassment, contact a Houston bankruptcy attorney immediately for swift help.
Under the Fair Debt Collection Practices Act (FDCPA), you are afforded important rights that creditors cannot violate. It is not allowed for anyone to abuse, intimidate or harass you just because you owe them a debt. Behaviors such as these are strictly forbidden:
- Physical or verbal abuse and intimidation;
- Use of threats;
- Use of profane language;
- Incessant abusive and intimidating phone calls;
- Lying about the amount you owe;
- Providing false information about the consequences you face;
- Impersonating a law enforcement officer or attorney.
You may be eligible to file a lawsuit against any creditor who uses such tactics in their collection efforts. Although a good many banks and collection agencies do not employ such deplorable tactics, there are an unfortunate number that do, simply because it usually works in their favor. A successfully intimidated debtor is not likely to file a lawsuit.
If you are being abused by creditors and collection agencies, you can stand up for your rights, and the outstanding team at Stockton Law Offices stands ready to advocate for you. The only way to end unfair debt collection practices is to stand up against the companies that employ them through swift and effective litigation. Our attorneys care about your needs and will tenaciously fight those who violate the law.