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Creditor Misconduct

Your Rights and the FDCPA

A creditor has the right to take action to try to recover any unpaid balances that you owe. Under the federal Fair Debt Collections Practices Act, they cannot engage in specific actions that are considered abusive. If they do so, they can be subject to legal action taken against them and damages can be sought for the victim. At Price Law Group, the firm is very experienced in filing action against abusive creditors and in helping individuals who are trying to deal with collection agencies or other creditors who violate their federal rights. The firm has assisted over 100,000 individuals to file for bankruptcy over their years in practice and the knowledgeable legal team is extremely effective in assisting those who have encountered this situation and don't know where to turn. Although you may owe a lender money, whether a credit card company, bank or collection agency, they do not have the right to harass or abuse you or your family. They must operate within the restrictions of the law and should they engage in abusive actions, the firm can help you hold them accountable.

Creditor Abuse and Harassment

Some of the most common violations of federal law include:

  • A collector calling you and not identifying themselves
  • Using obscenity, personal insults or any racial slurs in voicemail or in a conversation
  • Making threats of violence or indicating that they may harm you in any way
  • Claiming that they are an attorney when they are not
  • More than one company trying to collect the same debt
  • Contacting you before 8 in the morning or after 9 at night
  • Calling over and over during a short period of time
  • Continuing to contact a person who does not owe the debt
  • Contacting your family or friends in an effort to collect a debt
  • Contacting the debtor at their place of employment when asked to not do so
  • Making any threats of an arrest if the debtor does not pay them

If you have been the victim of creditor abuse or harassment, the firm is prepared to assist you in taking action to bring the abuse to an end. Any collection agency that is engaging in misconduct and is engaged in these or other actions that are violations of the Fair Debt Collection Practices Act should be held accountable legally, and the firm can help. You are urged to contact the firm immediately if you are under duress and have been threatened or abused by a collection agency or other lender. The attorney from the firm should get involved as early as possible so that the abuse is documented. You have the right to have an attorney manage your debts, and when they do, the creditor is no longer legally allowed to contact you. In cases of violations of the Act, legal action can be taken against them and they could be forced to pay you damages for their actions.

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