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Stop Creditors and Collections

Every day we get clients calling us upset and despairing over the creditor calls they are can be even worse. If you are facing this situation, we can help you. Your best option in dealing with creditors is to retain an attorney to handle the situation for you. When your creditors are informed that you have an attorney who is representing you, all harassment and calls will cease. By law, they must now direct their calls to our office.
The Fair Debt Collection Practices Act prohibits certain debt collectors from engaging in abusive behavior. Although it does not cover collection tactics employed by original creditors, such as a credit card, it does protect you against the harassment of a third-party debt collector such as a collection agency.

    Some of the abusive practices prohibited by the Fair Debt Collection Practices Act include:

  • Using obscene language.
  • Using or threatening to use violence.
  • Claiming you owe more than you do.
  • Claiming to be attorneys when they are not.
  • Sending you a paper that resembles a legal document.
  • Adding unauthorized interest, fees, or charges.
  • Calling you repeatedly or contacting you before 8 a.m. or after 9 p.m.
  • Failing to identify themselves as bill collectors.
  • Contacting you at work if your employer prohibits it.
  • Claiming that you’ll be imprisoned or your property will be seized.
  • Advising your employer for other third parties that you owe a debt.
  • Contacting third parties, other than your attorney, a credit reporting bureau, or the original creditor.