Creditor Harassment

Franklin Bankruptcy Attorneys

Are you facing creditor harassment from collection agencies or creditors? Are they calling you day and night, at home, on your cell phone, even at work? As a debtor, you do have rights under the Fair Debt Collection Practices Act, (FDCPA) a federal bill passed in 1978 to protect debtors from the abusive practices of creditors. This Act prohibits creditors from certain practices in their pursuit of collection, promotes fair debt collection, and gives consumers a way to dispute debt information in an effort to achieve accurate information on their credit reports.

If you need assistance with creditor harassment, we urge you to contact a Williamson County bankruptcy lawyer at our firm to discuss your situation. Our firm is a mid-size boutique law firm devoted to bankruptcy cases and debt relief in middle Tennessee, including all of Williamson County, and the cities of Franklin, Brentwood, Spring Hills, Fairview, College Grove, Columbia, Lewisburg, Lawrenceburg, and Centerville. A bankruptcy attorney at our firm can provide you with the information and guidance you need to stop creditor harassment and to handle your financial distress.

The Fair Debt Collection Practices Act

Some types of the abusive and deceptive conduct that the FDCPA prohibits are:

• Calling consumers before 8 a.m. or after 9 p.m.
• Phoning a consumer repeatedly with the intention to annoy, abuse, or harass
• Calling consumers at their work when this is known to be unacceptable
• Failing to cease communication with a consumer after receiving written notice from the consumer requesting no further communication
• Abusive or profane language
• Phoning a consumer who is represented by an attorney
• Threatening arrest or legal action that is not permitted or not actually contemplated
• Communicating with third parties about the consumer's debt, such as an employer or other party
• Misrepresentation or deceit, such as pretending to be an attorney or a law enforcement person
• Reporting false information on a credit report or threatening this

Consumers may file a lawsuit for a statutory claim of up to $1000 plus attorney fees against any creditor engaging in such practices. If you have received abusive treatment from a creditor, it is important to speak to a Williamson County bankruptcy lawyer about your case.