Tacoma Creditor Harassment Lawyer
Stop Creditor Abuse by Filing for Bankruptcy
When a consumer falls behind on their payments, they will start receiving letters from their creditor requesting repayment of the defaulted amount. When these letters fail to recover the default from the consumer, the creditor may begin calling the consumer.
The next step would be to hire a collection agency to continue contacting the consumer repeatedly until the debt is finally collected. These actions must comply with certain consumer laws, however, and cannot violate the consumer's rights under the Fair Debt Collection Practices Act (FDCPA).
Know Your Consumer Rights
The FDCPA restricts collection agents from harassing consumers in several ways. Collection agents may not call before 8:00 a.m. or after 9:00 p.m., or anytime that is established as inconvenient or inappropriate for the consumer. Agents are also restricted from contacting a consumer at their workplace when it is considered inappropriate or is not allowed by the consumer's employer.
Collections agents may not use profanity or threats when speaking with a consumer and may not publish the consumer's information on a blacklist. These are just a few of many unfair collections practices that are prohibited by the FDCPA.
Hire a Bankruptcy Attorney to Stop Creditor Harassment
One way to stop creditor harassment is to retain a Tacoma bankruptcy lawyer. Washington Fresh Start can represent you in a complaint against a collections agency or against your creditor. You can also stop creditor harassment by filing for bankruptcy, which puts an automatic stay on all contact between your creditor and you. We provide our clients with personal attention and can answer any questions or concerns that you may have. Fill out our
free case evaluation to get started.
Contact us right away to learn more about what Washington Fresh Start can do for you!