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Chicago Creditor Harassment Attorney
You Don't Need to Suffer Creditor Harassment
Creditors can often be unreasonable in their pursuit for owed debts. They may begin hounding you, day and night, through phone calls, threatening letters, or even frustrating and embarrassing visits to your workplace. The effects of the harassment can be crippling to your outlook, damaging your emotional and mental state. Even worse, you might be falling into debt due to a lost job or unexpected medical emergency that drained your savings.
Sometimes, it might seem that creditors are acting unlawfully in their persistence, and this might very well be the case. If you have been a victim of creditor harassment that you believe is violating your rights as a consumer, you should contact a Chicago attorney from Smith Ortiz, P.C. right away. We have an in-depth understanding of the Fair Debt Collection Practices Act (FDCPA) and a track record for success when it comes to defending our clients in a court of law. Act now before your situation escalates.
What Constitutes Creditor Harassment?
Due to the federal regulations established by the FDCPA, collection agencies must operate under specific restrictions. Simply calling you and requesting payment does not constitute creditor harassment. Instead, the agency must violate the FDCPA in a way that you can prove is unlawful harassment.
Some actions that can be considered illegal that debt collectors practice include:
- Calling you directly at work
- Contacting your employer about your debt
- Calling you at unreasonable or late hours
- Placing consecutive, repetitive calls
- Refusing to disclose the collector's identity
- Using obscene or insulting language
- Sending communications that indicate their presence as a debt collection agency
- Publishing your name
It should be noted that collection agencies can try to obtain a court order that allows them to use wage garnishment against your paychecks. While this may not necessarily constitute creditor harassment, it can be contested with the help of an experienced creditor harassment and debt collection defense lawyer.
Stop Creditor Harassment Now With Our Chicago Lawyer
At Smith Ortiz, P.C., we pride ourselves in giving our clients the opportunity to fight for their rights and secure their future well-being. We know the extent of the law, have studied the FDCPA in full, and have an authentic want to help you seek justice for any violations against you. We can also use several different and effective approaches to stop creditor harassment, including creating an automatic stay by filing for bankruptcy.
Don't take the abuse of creditor harassment. Start defending your rights with a free case evaluation from one of our Chicago debt collection defense lawyers today.
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