For those who have fallen behind in debt and are being harassed by their collectors who are pursuing payments, Congress has stepped in to make changes that prevent this behavior. The Fair Debt Collection Practices Act (FDCPA) was passed in a direct response to the embarrassing and abusive techniques that debt collectors employed to obtain their payments. The act does not make debt collection illegal but instead regulates the manner in which they collect these debts. It seeks to protect those who are struggling paying back their creditors. If you feel that a creditor has violated the FDCPA as they sought payment from you, it is important to speak with one of our Charlotte bankruptcy attorney from the Law Office of Jack G. Lezman, P.A. at your earliest convenience.
If you find that you are facing harassing phone calls or letters from your creditors, you are probably in a difficult financial situation and need legal assistance stopping their abusive debt collection techniques, we can help. Under the Fair Debt Collection Practices Act, filing for bankruptcy should immediately end all attempts at collection. You have rights in this situation and our firm can do everything in our power to protect them. There are certain actions that can be taken to stop harassment and actions that the creditors are not legally permitted to make.
Creditors are not permitted under this act to instill harassing methods or use derogatory language against you. Actions that they are not permitted to take include using threatening terms, demand more money than you owe and calling you repeatedly. Filing for bankruptcy will end all collection attempts. If you are having a difficult time with collection agencies, please feel free to contact the Law Office of Jack G. Lezman, P.A. to speak with one of our Charlotte bankruptcy attorneys. We can help you end the harassment and protect your rights under the FDCPA.