Rick Hodge, Attorney at Law Articles The Facts About Creditor Harassment

The Facts About Creditor Harassment

By Rick Hodge  Apr. 6, 2011 3:55p

Know Your Rights And How To Protect Them

If you are facing mounting debt, the burden can seem insurmountable. You must remember, however, that there is always hope no matter how bad your financial situation seems! It is crucial that you speak with a qualified Wichita bankruptcy lawyer to learn more about your financial options. Bankruptcy is not for everyone, but it is essential to stay informed about the choices you have available.

One of the most difficult aspects of struggling with debt is knowing how to handle creditor harassment. We can all understand the desire to speak with a debtor and ensure that he or she understands the severity of the situation. It is important, however, to know when the actions of a creditor cross the line between appropriate and inappropriate. Do not let a creditor hassle you and cause you emotional trauma!

The Fair Debt Collection Practices Act

One of the most important pieces of legislation relative to this issue was passed by Congress in 1978. It is known as the Fair Debt Collection Practices Act. It was designed to counter growing concern over the protection of consumers, and describes the fundamental protections that a debtor has. If your creditor is engaged in any of the following practices while contacting you, they are most likely in violation of the FDCPA and may be sued for abuse or harassment.

The creditor can be in violation of this act if they are doing any of the following: contacting you at inconvenient hours, such as between 9 PM and 8 AM; contacting you at your job after being asked to cease doing so; contacting your friends or associates to discuss your private financial affairs; claiming to be a lawyer when they are not; using profanity or threatening language; or publishing your name on a ‘bad credit’ list.

If you believe that any of these guidelines are being broken, please call a Wichita bankruptcy lawyer as soon as possible.

An Attorney In Your Corner

Please, do not hesitate to contact the Law office of Rick Hodge. He is an experienced Wichita bankruptcy attorney with the skill and training necessary to protect you from harassment. Our legal team is dedicated to protecting our clients aggressively and without rest.

Contact a Wichita creditor harassment lawyer to discuss your options.

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