Michigan Creditor Harassment Solutions
Understanding Your Rights Against Creditor Harassment
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collection agencies from harassing debtors and requires them to adhere to strict collection guidelines. Are you being contacted by collection agencies seeking payment on the money they are owed? Knowing your rights can prevent abuses, and help reduce any stress you may be experiencing from unethical collection practices.
FDCPA Laws Forbid Creditors From:
- Engaging in false, misleading or deceptive representation
- Making threats
- Using derogatory or obscene language
- Making repeated phone calls
- Falsifying information any information regarding the money you owe
- Contacting you directly when you are represented by an attorney
- Calling before 8:00 a.m. or after 9:00 p.m. at night
- Contacting you at work if your employer prohibits collection calls
- Continuing to contact you after being notified in writing not to
Creditor harassment is a serious matter and should be addressed immediately when it occurs. The best person to speak with regarding creditor abuse is a Michigan bankruptcy attorney who is well-versed in FDCPA legislation. A bankruptcy lawyer will know how to protect your rights and what to do to stop the harassment.
What Constitutes Harassment by Debt Collectors?
The FDCPA does not specify how many times until it is considered harassment. If you are being called multiple times of the day or are being called without your consent it is important to know your rights against debt collectors that harass you for payment or information.
Defend Your Rights Against Creditor Harassment
Dealing with constant calls and harassment from debt collectors can be overwhelming and stressful. At Hensel Law Office, PLLC, we understand the impact that creditor harassment can have on your life and we are here to help. Our experienced Sterling Heights bankruptcy lawyers are dedicated to protecting your rights and providing you with the legal support you need to put an end to creditor harassment.
When you choose our firm to handle your situation, we will:
- Review your situation and assess the validity of the debt
- Communicate with creditors on your behalf, ensuring that they abide by the law
- Help you understand your rights under the Fair Debt Collection Practices Act (FDCPA)
- Explore legal options to stop creditor harassment, such as filing for bankruptcy if appropriate
Your Trusted Sterling Heights Bankruptcy Lawyer for Michigan Residents
You should never allow a debt collection company to get away with abusive behavior. Financial problems can cause considerable worry and unlawful collection tactics will only add to your anxiety. My firm, Hensel Law Office, PLLC, provides aggressive representation in cases involving creditor harassment. I will never allow any of my clients to be beaten down by a company violating FDCPA statutes. I offer a free consultation and will act quickly to put an end to the abuse.
Please call my office today if you live in Madison Heights, Royal Oak, Sterling Heights, Clinton Township or Warren to find out about your consumer rights.
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Tom's expertise and tact was invaluable for us, and we will absolutely recommend him to any of our friends and relatives that may find themselves in similar positions to ours.- EJO
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Tom was so knowledgeable and helped us throughout the whole process. He never once made us feel uncomfortable or dumb when we had questions. He was also very easy to get a hold of when questions would come up and would always return our calls and emails pr- Stacy S.
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I will gladly and confidently recommend you to anyone I know facing a tough financial time requiring your expertise.- Jay
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I feel lucky to have found the Hensel Law Office and I never hesitate to refer others who could use assistance - because I know they will get superior service and help.- Kelly