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Creditor Harassment

San Fernando Valley Creditor Harassment Team

Fight Back with Effective Legal Support

The aggressive and often illegal methods creditors and collection agencies use in their collection efforts can become frustrating, aggravating, and stressful. Are you being inundated with harassing and threatening letters, emails, or phone calls? In California, filing for bankruptcy puts an immediate halt to creditors’ collection attempts.

At Tax Relief & Bankruptcy Group, we can stop creditor harassment immediately with a letter to your creditors advising them to cease and desist. This method is one the fastest and easiest ways to handle this irritating and often abusive treatment. Our firm is dedicated to helping clients throughout Orange County find relief from harassment and overwhelming debt. If you are experiencing any type of creditor harassment, we urge you to consult with our compassionate team today.

Call our San Fernando Valley creditor harassment team at (818) 960-6088 for the relief you need today.

Creditor Harassment Laws

You may find yourself being harassed by callers who have very little account information about you and who refuse to send you anything in writing. These are generally scammers and you should never provide them with your personal information over the phone.

Other collection callers are those who can and will provide you with a written statement of what you owe. However, these callers generally are paid a commission on what they collect; as such, they are rarely concerned with your well-being.

Federal law outlines abusive, deceptive, and unfair collection practices. Some of these include:

  • Calling you repeatedly
  • Using abusive language
  • Threatening you with violence
  • Threatening legal action that they will never take
  • Calling you earlier than 8 a.m. and later than 9 p.m.
  • Requesting more than you owe or fees and other expenses not allowed by law
  • Contacting others to get information about you
  • Informing others about what you owe
  • Calling you at work when you have expressly requested them not to

Any collector who violates federal law in this matter may be liable for actual damages including up to $1,000 in statutory fees as well as attorney fees and court costs.

FAQ: Debt Collection

Question #1: What kind of debts are covered under the Fair Debt Collection Practices Act (FDCPA)?

A: The FDCPA covers the following types of debts:

  • Credit card debt
  • Auto loans
  • Medical bills
  • Student loans
  • Mortgage
  • Other household debts

It’s important to note that business debts are not covered under the FDCPA

Question #2: What methods of communication can debt collectors use to get in touch with me?

A: Debt collectors are allowed to call you at home or on your cell phone. They can also mail letters and send emails or text messages regarding a debt they are trying to collect.

Question #3: Are there specific hours of the day that debt collectors can contact me?

A: Debt collectors cannot contact you at inconvenient times of the day or locations. For example, debt collectors can’t contact you before 8 a.m. or after 9 p.m. Debt collectors also can’t contact you when you are at work if you tell them you can’t receive calls while you are there.

Question #4: What information do debt collectors have to tell me about the debt they are pursuing?

A: Debt collectors are supposed to send you awritten “validation notice.” Debt collectors need to send this notice within five days of first contacting you. The notice must contain the following information:

  • The total amount of money you owe
  • The name of the creditor pursuing the debt
  • Steps to take if the debt doesn’t belong to you

Question #5: What should I do if a debt collector says they want to file a lawsuit against me?

A: If a debt collector says they are going to take legal action against you by filing a lawsuit, then you need to immediately reach out to a seasoned lawyer to find out how to protect your rights and interests.

Do you have more questions? Then please contact Tax Relief & Bankruptcy Group today at (818) 960-6088 to speak to an attorney about the creditor harassment you are facing.

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