Florida residents like you suffer from debt for various reasons. When in debt, you may also battle with creditors or debt collectors. At Kingcade, Garcia, McMaken, bankruptcy attorneys, we can help you defend yourself against creditor harassment.
The first thing to be aware of is the Fair Debt Collection Practices Act (FDCPA). Under this act, consumers are protected from certain harmful and dangerous practices or behaviors potentially exhibited by creditors. This can include:
- Calling at unreasonable hours
- Communicating with you at work
- Deceiving you or misrepresenting the situation
- Repeated calling
- Delivering threats
- Using abusive language
Generally speaking, if you are being harassed, you should document all instances as carefully and in as much detail as possible. After asking for creditors to stop contacting you, they are required by FDCPA to stop. However, that doesn’t always happen. Over time, harassment may get worse and more drastic steps will need to be taken.
The ultimate way to stop creditor harassment for good is of course to file for bankruptcy. Once the process is in motion, creditors are no longer allowed to contact you in any way, as you will not need to pay them back in the same amount.
Have you been harassed by creditors because of debt? Do you feel caught between a rock and a hard place? Try some of the aforementioned tactics in order to escape from the harassment of creditors. You can take a look at our web page, linked here, which has even more useful tips to use.