Debt collector harassment goes unpunished too often.
Sometimes, it seems like debt collectors will do or say anything to get what they want.
Common forms of harassment include:
- Calling you at all hours of the day – from dawn until dusk – in an effort to wear you down.
- Wrongfully threatening legal action to get what they want.
- Using profanity or insults in an effort to upset you.
- Alerting your friends and relatives about your debts.
The debt collector’s goal is to make you feel frightened and trapped – so that you will agree to give them whatever they demand.
Debt collectors have to play by the rules.
Debt collectors cannot say or do anything they want to. State and federal laws, including the Fair Debt Collection Practices Act (FDCPA) prohibit debt collectors from calling you before 8:00am or after 9:00pm. Debt collectors cannot swear at you or insult you. A debt collector may not harass you at your place of employment. Debt collectors are also prohibited from using empty legal threats or pretending to have the legal authority to immediately garnish your wages or repossess your car. They also cannot tell other people about your debts without your permission.
Do Any of These Sound Like Problems You’ve Been Facing?
- You have mostly stopped answering your phone in order to avoid debt collectors’ phone calls.
- You have mostly stopped opening your mail out of fear of seeing another collection notice.
- You are experiencing embarrassment after a debt collector told friends or family about a debt that you owe.
- You are having trouble sleeping at night or are facing increased anxiety due to debt collectors’ frequent and/or abusive collection attempts.
We hold debt collectors accountable for breaking the rules.
If any of the above sound like problems you’ve been facing, there is good news. At Warner & Warner, PLLC we are not afraid to stand up for our clients and put a stop to debt collector harassment!
The best part is that our services cost you nothing out-of-pocket. If your rights have been violated, the debt collector will be liable for any attorney fees and costs. Plus, the debt collector may be forced to pay you up to $2,000.00 for your pain, suffering, and/or inconvenience.
Call (518) 451-9388 to schedule your free consultation today!