How to Stop Creditor Harassment
As soon as you fall behind in debt payments, the phone calls start. As you get farther behind in your debt payments, the phone calls get more frequent. Your creditors may start calling your family or friends or calling your place of employment. You may get notice that the collection agency plans to garnish your wages or repossess your vehicle.
How do you respond to creditor harassment? How do you begin to take control of your unpaid consumer debt?
Thomas G. Waldstein, Attorney at Law
Framingham, Massachusetts
Attorney Thomas G. Waldstein is a seasoned bankruptcy lawyer with offices in Framingham, Massachusetts. For more than 35 years, he has represented individuals and consumers in the Metro West area.
As a law office that frequently gives legal help to people in financial crisis, we often see clients who are facing serious creditor harassment. Retaining an attorney is one sure way to stop creditor harassment. We will take creditor phone calls on your behalf, and we will analyze your creditors' actions to determine whether they have violated the Fair Debt Collections Practices Act.
Your Rights Under the Fair Debt Collections Practices Act
Debtors do have rights under the Fair Debt Collections Practices Act. If you believe that your creditors are violating these rights, contact our law office to discuss your legal options.
The Fair Debt Collections Practices Act restricts creditors in the following ways:
- A collection agency may not contact you at inconvenient times or places. Debt collectors may not call you before 8 a.m. or after 9 p.m. unless you agree. Debt collectors may not call you at work if the collection agency is told either verbally or in writing not to call you at work.
- After you talk to a debt collector once, you may contact the collection agency in writing to request that it cease further phone calls. After the collection agency receives your letter, it may only contact you to tell you there will be no further contact or to tell you it is taking a specific legal action such as filing a lawsuit.
- A collection agency is restricted in how often it may contact your friends and family and what questions it may ask.
- Creditors are also prohibited from harassment, making false statements or threats or engaging in other unfair practices when attempting to collect a debt.
Get information about your legal rights and put a stop to creditors who violate the Fair Debt Collections Practices Act.
Contact Thomas G. Waldstein, Attorney at Law
If you are facing a financial crisis, we encourage you to schedule a confidential consultation with attorney Thomas G. Waldstein. In a complimentary first meeting, he will discuss your various legal options for handling a financial crisis.
To make an appointment, call 508-872-6567 or contact us online.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
