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Stop Creditor Harassment
Creditor Harassment Attorney in Towson, MD
In spite of the fact that you are deep in debt, no creditor in the world has the right to annoy or abuse you. Struggling with debt in itself is a massive problem and to have a creditor always calling you up and threatening, you can add even more pressure. Constant calls, letters, and threats from a creditor can strike fear in the debtor, which is why a Towson creditor harassment attorney is necessary for this situation.
Debtors are people who still have rights and among those is protection from harassment as stated in the Fair Debt Collection Practices Act. Enlisting the help of a creditor harassment attorney can shed some light on this act and on the illegal practices creditors do. FDCPA states that even as a debtor, you have the right to be protected against intentional creditor harassment, including calls at ungodly hours, calls to your employer and more.
Seasoned Towson, MD Creditor Harassment Attorney
If you deal with debt and creditor harassment in the Towson, MD area, you should know that having a creditor harassment attorney is the best course of action. A legal expert in the field is aware of tactics creditors use to intimidate debtors and are capable of holding them responsible for their violations. An attorney can also explain your rights as a debtor, especially your right to be protected.
Get in touch with a Towson, MD bankruptcy attorney right now if you are dealing with creditors who are threatening and bullying you into believing you have no rights. A bankruptcy attorney from the Grafton Firm is experienced in the field of bankruptcy and can offer assistance and quality representation when you need it.
Why do I need a Creditor Harassment Attorney in Maryland?
Being deep in debt is enough of a stress and to pile on harassment from creditors just adds fuel to the fire. The FDCPA states that a debtor has the right to be protected from creditor harassment which often takes the form of calls and letters that come with threats. It may also be in the form of persistently contacting you after they’ve told you to stop.
A creditor harassment attorney can make your rights as a debtor known to you. A creditor can also cease communication once you’ve hired an attorney for your case. An attorney can help explain to you your rights as a debtor in accordance with the FDCPA and understands the tactics creditors use to intimidate debtors and make them believe that harassment for their dues is perfectly legal.
The Grafton Firm’s creditor harassment attorneys can offer quality counsel and court representation, holding creditors accountable for their malicious behavior.They also offer solutions for bankruptcies and debt and even estate planning services. Get in touch with a Towson, MD creditor harassment attorney right now to stop creditor harassment incidences.
What is Creditor Harassment?
If you or a loved one is dealing with debt, you’ve probably become familiar with the term creditor harassment. Creditor harassment is the practice done by creditors to intimidate debtors into paying their dues. This method can be done through phone calls and letters about your debt sent to third parties and engaging in practices that harass and bully you, along with misleading you about your debt.
Creditor harassment is against the Fair Debt Collection Practices Act or FDCPA. Luckily, a debtor has options when faced with creditor harassment including using the violation for a fair settlement, filing a complaint with the Consumer Financial Bureau, or suing the collector. Before selecting your next best course of action, it is best to get in touch with a creditor harassment attorney who can advise you on this.
Who Does the FDCPA Apply To?
The Fair Debt Collection Practices Act is applicable to debt collectors but not to the original creditors from whom the debt originated. The FDCPA applies to creditors who collect debts under another name since the term “debt collector” pertains to individuals who collect debts on behalf of other entities or those whose main occupation is collecting the debt.
What Constitutes Illegal Debt Collection under the FDCPA?
Under FDCPA policy, collection agencies must make certain disclosures and prevent collectors from abusive practices that could harm the debtor. Some of the actions illegal under the FDCPA include:
Third Party Communication
Creditors are not allowed to contact third parties regarding your debt except for your attorney, a credit reporting agency, and the original creditor. Collectors can contact your spouse, parents, and co-debtors but are required to put these to a halt if you’ve already sent a letter requesting them to stop communication. Debt collectors can contact third parties to request information regarding you.
Communications with the Debtor
A collector can communicate with a debtor to inform that they are going to collect debt and must abide by the policy that any information about you will be used solely for the purpose of debt collecting. Under the Consumer Financial Protective Bureau, a mini-Miranda disclosure is required for debtors. Likewise, collectors should not contact you at inconvenient times and places, when you have an attorney, or at work.
From the term itself, a creditor is prohibited from using violence or threats in order to collect debts, incite harm to another person or property, use offensive language, publicize your name and shortcomings regarding your debt, and make repeated calls.
Creditors are not allowed to claim to be law enforcement, claim to be an attorney, falsely represent the debt you owe, or make threats that won’t even happen. Just the same, creditors are also forbidden from pretending to be a credit bureau or a business.
Examples of unfair practices creditors are prohibited from partaking in are adding fees and charges that aren’t within the legal agreement, accepting postdated checks for more than five days, depositing and soliciting post-dated checks, and threatening to seize your property.
Call our Creditor Harassment Attorney Now!
Creditor harassment is an act that involves threatening, bullying, and deceiving debtors into giving the debt. It is stated under the FDCPA that creditors have no right to do and the act in itself is illegal. If you have been experiencing creditor harassment, put a stop to it now by getting in touch with a creditor harassment attorney from the Grafton Firm. A creditor harassment attorney by your side will put a stop to the calls and threats from a creditor since they cannot contact a debtor who has an attorney. A Towson, MD bankruptcy attorney can explain your rights to you and ensure that you get the best outcome possible. Get in touch with an attorney right now.
Grafton Firm, LLC
920 Providence Road
Towson, MD 21286
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