If you are falling behind on paying your debts, then you may have started to receive phone calls from your creditors demanding that you catch up on your payments. Creditors can be quite persistent in these situations, and they never seem to give up trying to contact you. These constant attempts to collect money are known as creditor harassment.
When you start to receive phone calls at work, creditor harassment can become quite dangerous to you. Many people have been terminated at their places of work because they have received too many harassing creditor calls.
The Fair Debt Collection Practices Act
While some forms of creditor harassment are legal, many practices cross the line of acceptable behavior and have been made illegal by the Fair Debt Collection Practices Act. Under this law, creditors cannot do the following:
Threaten you with violence
Pretend to be attorneys
Deliver false threats of imprisonment or property seizure
Charge you unauthorized, extra money
Call you at unreasonable times of the day
Use obscene language
Damage your property
If your crediting agency has been in violation of the Fair Debt Collection Practices Act, then you have the right to take legal action against this company.
Putting a Stop to Creditor Harassment
By filing for bankruptcy, you can put a stop to creditor harassment. Once your filing goes through, creditors are barred from harassing you anymore about your failed payments. They can no longer attempt to contact you, your employer, and your neighbors.
Of course, if your creditor violates the terms of the Fair Debt Collection Practices Act, you have a legal right to take action. You then have the right to sue the company for targeting you with repeated, abusive behavior.
If you are currently suffering from creditor harassment and would like to put a halt to this damaging behavior, then you may wish to file for bankruptcy. Contact Birmingham bankruptcy lawyer, Paula Greenway today at (205) 324-4000 to speak with her about your situation.