Torrance Creditor Harassment Lawyer
Mounting debt can quickly spiral into a nightmare of incessant phone calls, letters, and intimidation tactics from aggressive debt collectors. While collecting on legitimate debts is permissible, many agencies cross ethical and legal lines, subjecting individuals to unrelenting harassment. Fortunately, federal laws now protect consumers from the most egregious collection practices.
If you are being hounded by ruthless debt collectors in Torrance, it is time to fight back and restore your peace of mind. The experienced Torrance creditor harassment lawyer at Wadhwani & Shanfeld can evaluate your situation, advise you of your rights, and take decisive legal action to make the harassment stop. Don’t suffer in silence – contact us today to regain your life.
What the Law Requires of Creditors
The Fair Debt Collection Practices Act (FDCPA) protects debtors from unfair, deceptive, or abusive practices when approached by debt collectors. Under the FDCPA, debt collectors in Torrance must adhere to the following guidelines:
- No threats of violence or harm against you or your family.
- No use of profane, obscene, or abusive language.
- No calls at inconvenient times, such as before 8 a.m. or after 9 p.m.
- No calls to your place of employment if you’ve instructed them not to.
- No continuous, harassing calls intended to abuse or harass you.
- No misrepresentation or false statements about the debt or their authority.
- No contact with third parties, like relatives, about your debt without your permission.
- No direct contact with you if they’re aware you’re represented by an attorney.
- No further contact after you’ve requested them, in writing, to cease communication.
- No publication or disclosure of your debt to unauthorized third parties.
The FDCPA also grants you specific rights as a consumer. You can request validation of the debt, requiring the collector to provide evidence that the debt is valid. They must stop all collection efforts if they cannot verify the debt. Additionally, debt collectors must notify you of your right to dispute the debt’s validity.
It is important to note that the FDCPA only applies to third-party debt collectors, not the original creditor attempting to collect its debt. However, if the original creditor sells or transfers the debt to a collection agency, the FDCPA protections apply to that agency’s collection efforts.
If a debt collector violates the FDCPA, our creditor harassment lawyers can take legal action by sending a cease-and-desist letter or filing a lawsuit seeking statutory damages and an injunction to stop the harassment. The FDCPA is a powerful tool to protect consumers from abusive debt collection practices.
Let Our Creditor Harassment Lawyer Help
Don’t allow aggressive debt collectors to trample on your rights and peace of mind. The Torrance creditor harassment lawyers at Wadhwani & Shanfeld have extensive experience holding unscrupulous agencies accountable for violating state and federal laws. We can compel debt collectors to substantiate questionable debts and take decisive legal action to halt harassing calls, threats, and other abusive tactics. Regain your freedom from creditor harassment by contacting our firm today to discuss your situation and explore your legal options for obtaining the relief you deserve.
