Preventing Creditor Harassment
One of the most stressful aspects of debt is interacting with unrelenting creditors. While debt collectors are allowed to persistently pursue collection, it is illegal for them to harass individuals in debt. Christman & Fascetta LLC understands the pressure that Maryland families under financial strain face. Our caring attorneys can defend your rights and help you evaluate avenues to lessen your debt.
What Constitutes Creditor Harassment?
Creditor harassment constitutes illegal collection tactics that are intended to intimidate or annoy an individual into paying the lender. The Fair Debt Collection Practices Act (FDCPA) protects you from hostile harassment tactics, including:
- Repetitive phone calls with the intent to annoy or harass
- Obscene language
- Harmful threats
- Failure to identify themselves
- Publicly publishing your name for not submitting payment
- Reporting false or misleading information
If you experience any of the above actions, detail the date of the incident and interaction with the creditor. We will evaluate your case, and determine whether you can sue the lender for FDCPA violations.
Can Bankruptcy Help Prevent Creditor Harassment?
Filing for either Chapter 7 bankruptcy or Chapter 13 bankruptcy places an automatic stay on your estate that prevents creditors from pursuing collection. Creditors should immediately stop contacting you once your filing goes through. If they continue to call or send mail, our attorneys can aggressively defend your rights.
Contact Our Firm For Assertive Representation
If you are being harassed by creditors, you deserve assertive bankruptcy lawyers who will protect your rights. Call to schedule a free consultation, or email us today. As one of the Top 100 Bankruptcy Law Firms in the U.S., we will ensure that you receive the quality legal representation that you require.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.