Debt Collection Harassment

Debt collectors are regulated by a network of Federal and State laws including the Fair Debt Collections Practices Act ("FDCPA"). A "debt collector" is anyone who, other than the original creditor, regularly collects a debt.

It is important to know your rights when dealing with debt collectors. Some of your rights include but are no limited to the following:

• Hours of Contact - Debt Collectors cannot contact you before 8 a.m. or after 9 p.m.
• Harassment - Debt Collectors cannot call you if they know it is an inconvenient time or if your employer prohibits it.
• Truth - Debt Collectors cannot lie and they must treat you with dignity and respect.
• Confidential - Debt Collectors cannot tell others about your debt.

If you believe your rights are being violated, please contact us for a free consultation. When you come in for your free consultation it is helpful if you could provide the following information:

• Save any letters from or to the collection agency.
• Save any messages or voice mails.
• Make a note of Who called, When the called, Where they were calling from, and a brief description of what the conversation was about.

You may have the right to sue a debt collector for violations under the "FDCPA". Remember - You only have one year to bring a claim against a debt collector after each and every violation.

Contact our office today to schedule your free consultation.