If you are in deep financial debt and are no longer able to keep up with your payments, you may have been contacted by debt collectors trying to collect the money you owe to creditors.
In many situations a collector may attempt to use illegal tactics like harassment or intimidation to get you to pay your debt. These actions however, are against the law and are unethical.
If you have experienced extreme situations of harassment from debt collectors, you may have grounds for legal recourse. Our Cincinnati creditor harassment lawyers can help defend your rights and stop the harassment.
Contact our bankruptcy attorneys today for a free, no obligation consultation to review your situation and determine your legal options.
Your Rights Against Harassment From Debt Collectors
Through the Fair Debt Collection Practice Act (FDCPA), the Federal Trade Commission protects consumers from abusive, unfair or deceptive practices for collecting debt.
Although many debt collectors will make repeated phone calls to get you to pay your debt, it is illegal for them to do this. The FDCPA prohibits the following forms of harassment when attempting to collect debt:
- Calling excessively
- Contacting your neighbors, family or employer
- Using threats of violence or harm
- Using insulting or profane language
- Calling before 6 a.m. or after 9 p.m.
- Publishing your name online
- Making false statements about who they are or what you owe
- Stating that you will be arrested, they will seize your property or take legal action against you
If a creditor or debt collector is violating any of the collection or contact laws, contact our Cincinnati attorneys immediately. We can help protect your rights and stop creditor harassment.
How Our Attorneys Can Help
At O’Connor, Acciani & Levy, our legal team is devoted to helping clients who have been unreasonably or illegally harassed by creditors and debt collectors.
One of the most effective ways to stop harassment, and to completely stop contact from debt collectors altogether is to file for bankruptcy. Our bankruptcy lawyers can act fast to file a petition on your behalf that will initiate an automatic stay that will require a creditor stop attempting to collect debt from you.
This will temporarily prevent any parties from contacting you or attempting to garnish your wages or property for a set amount of time. During this period, you will have time to examine all of your legal options for debt relief with our experienced lawyers.
With decades of experience our Cincinnati attorneys are experienced in helping stop any type of credit harassment you may be experiencing. We are well-versed in the FDCPA and can help ensure your rights are protected while providing you with a variety of options for stopping harassment.
Contact Our Cincinnati Creditor Harassment Attorneys Today
If you’ve been harassed by creditors about unpaid bills and would like to explore your legal options, contact one of our Cincinnati creditor harassment lawyers today.
We offer free, no obligation consultations so that you can explore your legal options for stopping harassment through bankruptcy or another debt relief alternative.