Rancho Cucamonga Creditor Harassment Lawyer
Creditor harassment is out of control. At Wadhwani & Shanfeld, we receive calls from many debtors complaining about the abuse they have suffered from collection agencies. Calls in the middle of the night and strangers showing up to harass their friends and family are only some of the crazy behaviors our clients have had to endure. There is no excuse for this type of behavior, and powerful federal and state laws restrain collection agencies. Call our firm today to speak with a Rancho Cucamonga creditor harassment lawyer. You might be eligible to file for compensation.
Are You Being Harassed?
Collection agencies have a right to notify you of a debt and ask you to pay. That’s reasonable. However, some collection agencies have gone overboard over the past few decades. Abuse became so common the federal government had to spring into action. They passed the Fair Debt Collection Practices Act, which prohibits some of the most offensive conduct, such as:
- Repeated phone calls, one after the other
- Calls at unusual times of the day, such as very early in the morning or late at night
- Profane or threatening language
- Failure to identify who is calling
- Publishing or speaking about your debt to other people without your permission
For example, some collection agents badger people nonstop at night. This type of conduct is now flatly illegal.
If you are being harassed, call our law firm. We will ask that you document the harassment. Write down the day and time when you are called. If someone shows up at your door, note the day and time, as well as their name.
Deceptive or False Practices
This federal law also prohibits some common deceptive practices from debt collectors, such as:
- Lying about the amount you owe
- Claiming a false identity, such as presenting themselves as a lawyer when they are not
- Threatening to arrest you for your debt, which they can’t do
- Threatening to take any other illegal act
Anyone victimized by abusive or deceptive collection activity can file a lawsuit. You can seek statutory damages for each violation, as well as any actual damages you can prove. For example, an abusive collection agent might have forced you out of your home and into a rented hotel room.
You have a limited window of time. The sooner you call our law firm, the more aggressive action we can take.
Also, creditors are unable to contact you if you file for bankruptcy protection. An automatic stay prohibits collection activity, even phone calls at your home. Let your legal team know if a creditor is harassing you in any way.
Seek Peace of Mind Today
Our Rancho Cucamonga creditor harassment lawyers are more than happy to jump in and shield you from abusive collection activity. Often, debt collectors will back off once they realize a target has secured legal representation. We can remind debt collectors of their duties under the law, and we aren’t afraid to sue them to drive the point home. Call us to schedule a consultation.
