Van Nuys Creditor Harassment Lawyer
If you are struggling with a significant amount of debt, you are not alone. Millions of people are in the same situation and some even have to deal with threats, intimidation, and other forms of creditor harassment. Owing money to banks, credit card companies and other parties does not give them the right to treat you unfairly or dishonestly. You may not even owe a creditor debt but become targeted. If a creditor or debt collector has engaged in harassing and illegal behavior, you can make it stop and file a lawsuit against them for damages. Our Van Nuys creditor harassment lawyer can help you do it.
What is Creditor Harassment?
Creditors and debt collection companies can contact you to try and collect a debt after certain deadlines have passed. They can also tell you they are going to take legal action against you if you do not repay the debt. However, they are not allowed to intimidate or harass you, or make you fear for your own safety.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive and harassing debt collection efforts. Examples of unlawful harassment outlined in the FDCPA include but are not limited to:
- Threatening any type of violence against you, your family, or any other person,
- Making constant phone calls with the intent to abuse, annoy, or harass,
- Using inappropriate or obscene language,
- Misrepresenting debt collectors as a lawyer, government agency, or law enforcement officer,
- Implying that arrest or incarceration will occur if the debt is not paid, and
- Misrepresenting the amount of outstanding debt or any other terms of the loan.
How to Fight Back Against Creditor Harassment
It is possible to fight back against creditor harassment, but it is not easy. Creditors and debt collection companies are not intimidated by consumers. In fact, they often try to intimidate borrowers into submission. This is why it is so important to hire a creditor harassment lawyer as soon as possible. Once you have legal representation, your lawyer becomes the new point of contact and will not be intimidated. A lawyer will also know the number of ways to fight back against creditor harassment, which include:
- Threatening legal action for illegal behavior including making harassing phone calls or sending threatening letters,
- Sending a debt validation letter verifying the debt, as well as the amount you owe,
- Challenging the debt,
- Hiring an investigator to learn more about the debt collector and their past actions, and
- Collecting evidence such as phone records, letters, and security camera footage.
A lawyer can also advise you about debt relief solutions such as bankruptcy or a loan modification.
Our Creditor Harassment Lawyer in Van Nuys Can Help You Fight Back
At Wadhwani & Shanfeld, our Van Nuys creditor harassment lawyer knows the unfair actions debt collection companies take, and how to make them stop. Call us now at 818-658-2669 or contact us online to request a consultation and to learn more about how we can protect your rights.
