Hiring a debt harassment attorney is a great way to protect yourself from harassing calls by a debt collector. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from harassing consumers, including calling them repeatedly and at unreasonable hours. A debt harassment attorney can help you combat harassing calls by ensuring that debt collectors abide by the FDCPA rules.
Fair Debt Collection Practices Act
A debt harassment attorney can help you file a complaint under the Fair Debt Collection Practices Act (FDCPA). This law applies to personal and family debt, including auto loans, mortgage payments, and medical bills. You can file a complaint online, or by calling the Consumer Financial Protection Bureau. This agency takes consumer complaints seriously, and investigates many violations of the FDCPA.
In addition to the federal law, state laws protect debtors from abusive debt collector practices. You can file a complaint with your state’s attorney general if you feel that you’ve been harassed by a debt collector. It is important to remember that the statute of limitations for filing a lawsuit for violations of the FDCPA is one year after the violation occurred. Under the FDCPA, debt collectors are civilly liable if they violate the law. Damages awarded include actual losses, up to $1,000, and attorney’s fees.
Examples of debt collector harassment
If you are being harassed by debt collectors, it’s important to seek legal counsel. While most debt collectors operate within the law and work with consumers to work out payment plans, some abuse their power by calling repeatedly or using abusive tactics. Fortunately, you can protect your rights and your financial future by enforcing your rights and the law against debt collectors.
You have the right to file a complaint against a debt collector when they harass you. However, it’s important to avoid taking impulsive actions – doing so may harm your case and make it harder for you to get the money you need. Keeping your cool and making thoughtful decisions can reduce your stress level while enabling you to make a more effective court case.
Contacting a debt harassment attorney
If you’ve been receiving abusive phone calls or text messages from debt collectors, you may want to contact a debt harassment attorney for help. Federal law prohibits creditors from threatening or intimidating debtors. This law also prohibits them from using abusive language and threatening violence. In addition, debtors have the right not to have their debt revealed to other people, and they have the right to ask for proof of their debt.
Debt collection harassment can be a difficult situation to handle. While ignoring the phone calls can seem like an effective way to end the harassment, it can actually make things worse by putting you at risk of a default judgment. A debt harassment attorney can help you navigate the complexities of this difficult situation and make sure that your debt is handled appropriately.
Cost of hiring a debt harassment attorney
There are a number of factors that go into the cost of hiring a debt harassment attorney. Some attorneys charge a flat fee for their services, while others may charge by the percentage of money they win in the case. The amount of money you will have to pay your attorney depends on how complex your case is and how many creditors you’re dealing with. For a simple case, the cost of hiring an attorney might be $500, while a more complex case could cost as much as $5,000.
The cost of hiring a debt harassment attorney should be discussed during your initial consultation. The attorney will be able to provide an estimate of their fees based on the type of case you’re dealing with. You should ask them how much they’d charge for a lawsuit, counterclaim, or defamation case. This information will help you make an informed decision.