Fair Debt Collection Practices Act

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Fair Debt Collection Practices Act

Are you a victim of creditor harassment?

As a team consisting of an experienced bankruptcy attorney and skilled legal professionals, we have seen our fair share of creditor harassment. At Schwilm Law Firm, PLLC, we have spent more than 15 years of our practice protecting the reputations, rights, and interests of consumer debtors and business owners throughout Charlotte.

If you think your rights as a consumer have been violated by creditors conducting illegal debt collection practices, or if someone you love is being abused or harassed by a creditor, do not wait another moment to speak with a Charlotte bankruptcy lawyer at our firm. We are focused on providing lasting solutions that are tailored to your unique situation.

Examples of Unfair Debt Collection Practices

Dealing with a temporary financial setback or long-term financial hardship can be difficult enough to handle. You are probably tired of feeling the uncertainty that comes with debt. Adding constant harassment from a collection agency or collector can enhance the burden that you are feeling at this time. We are here to help and listen to you.

According to The Fair Debt Collection Practices Act 58-70-95, unfair practices include:

  • Threats and coercion
  • Harassment
  • Deceptive representation
  • Unreasonable publication
  • Using vulgar or profane language or making threats of violence
  • Making attempts to collect while concealing caller identification
  • Calling or attempting to collect at unreasonable hours
  • Falsely accusing you of fraud or any crime that would cause disgrace, contempt, or ridicule
  • Making allegations that failure to pay the debt would result in arrest
  • Calling you at work during business hours
  • Threatening to take any other action not permitted by the law

If you have experienced any of the practices listed above, your rights must be protected. Under the protection of the Fair Debt Collection Practices Act, we can make certain that debt collectors play by the rules and act in a way that is honorable and respectful to you, your family, or your business.

Call our Charlotte bankruptcy attorney for the justice you deserve.

We know the extent that some debt collectors will go to when trying to collect money that is owed to them. Oftentimes, clients come to us feeling guilty and panicked. We know how to take action against unscrupulous collectors and hold them legally responsible for violating your rights. We have always had a deep passion for protecting our clients during sensitive times in their lives.

If you have been a victim of unfair debt collection practices or suspect that your rights may have been violated in the form of creditor harassment, contact our firm immediately.