Irvine Debt Collection Harassment Attorney

Harassed or threatened by debt collectors?

When a person has not paid their debts, creditors have the legal right to collect them.  Abuse, threats and harassment are not part of those rights.  In the current economic climate, a growing number of Americans are behind on paying their credit cards, medical bills, and other debts.  It is against the law for debt collectors to harass a debtor in the course of doing their jobs.

 Some kinds of harassment include:

• Using obscene language in calls or on a voicemail
• Contacting a person frequently and repeatedly
• Using more than one collection company to collect a debt
• Collectors calling without identifying themselves
• Calling very early or very late without express permission
• Disregarding the fact that the so called debtor does not actually owe the money
• Threatening to tell other family members or friends about the debts
• Calling the debtor at work, after requests have been made not to do so
• Threatening harm or violence
• Calling a debtor after requests have been made for the calls to stop
• Threatening arrest if the debt isn't paid

When writing a letter to the creditor or debt collection agency to stop the phone calls is not working, a skilled Irvine bankruptcy attorney from the Law Offices of Arthur R. Hausmann may be able to help end the threats and abuse, and also assist with debt relief.  Once a lawyer has been retained, all collection calls must be directed to their attorney.  After that point, calling a debtor directly is illegal and the calls should stop.

The Fair Debt Collections Practices Act

The Fair Debt Collections Practices Act (FDCPA) was written to protect consumers.  It covers personal credit card debt, mortgage debt, medical bills, and auto loans.  It stops collectors from using abusive or deceptive practices when trying to collect a debt.  This act gives a person the right to sue within one year from the date a debt collector first violated the law.  Contact Attorney Hausmann to find out he helps clients stop debt collection harassment.

 Contact an Irvine Debt Collection Harassment Lawyer today for help with harassment from creditors or debt collectors.  Do not wait until the statute of limitations runs out.