Call a Torrance Bankruptcy Lawyer
The Fair Debt Collection Practices Act was put in place to protect debtors from general harassment on the part of creditors or third party debt collectors. If you are in debt, you do not need to be subjected to threats or constant phone calls! Call a Torrance bankruptcy lawyer if you are being hounded by debt collectors and need someone to protect your rights.
We Can Defend Your Consumer Rights
Banks and credit card companies often hire debt collectors to collect on debts. Debt collectors often subject debtors to different forms of harassment in order to get them to pay. You have rights, however, and you should contact our firm to get collectors to stop and hold them accountable for their actions.
The FDCPA provides the following rights to debtors:
- Consumers may sue debt collectors individually or in a class action suit for violating the law
- Consumers are protected from harassment—excessive phone calls, abusive language, and threats
- Collectors may not disclose the existence of debts to anyone not authorized to know about them
- Contact with consumers is banned at inconvenient times such as before 8am and after 9pm
- Consumers may seek proof that they are actually indebted
If debt collectors are calling you constantly, especially if they are calling your place of work and jeopardizing your employment or contacting your friends or neighbors, a bankruptcy attorney can send them a cease communication letter. Such a letter would request that collectors only communicate with you in writing or stop communicating altogether.
Don't Believe the Debt Collectors! Protect Your Rights Today.
Consumers are allowed to request a written verification of their debt from debt collectors by means of a written verification letter which must be sent within 30 days of the initial contact from the collector. Collectors are not allowed to make contact with debtors, if they indeed are in debt, until the debt is verified.
You have rights as a consumer under FDCPA and the Law Offices of James C. Shields can fight to uphold those rights. Attorney Shields has an "Excellent" rating from Avvo and almost two decades of stand up for consumers. Call our office today!
We Can Help You Find Financial Freedom
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Over 50 Years of Collective Experience