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Creditor Harassment Attorney in Batesville

Putting a Stop to Relentless Creditors

Facing large amounts of debt is stressful enough; dealing with persistent, relentless creditors can be incredibly overwhelming. However, most people do not realize that creditors are prohibited by law from harassing debtors. This goes for all creditors, regardless of the amount of debt owed. The Fair Debt Collection Practices Act (FDCPA) is a federal act that protects all creditors from unfair, deceptive, or abusive collections actions.

If you are currently being harassed by creditors, you may be entitled to take legal action. As a consumer, you have the right to report creditors that violate the FDCPA to the Attorney General’s office, the Arkansas State Board of Collection Agencies, and/or the Federal Trade Commission. Depending on the circumstances, you may be able to sue the creditor yourself. Burgess Law Firm can help you navigate this process and put a stop to creditor harassment.

Contact us online or by phone at (870) 293-6004 to schedule an initial, confidential case evaluation with our creditor harassment attorney in Batesville.

What Creditors Can & Cannot Do

The FDCPA limits creditors from certain collection actions. It also specifies when and where a creditor may call a debtor in an attempt to collect. If a creditor violates any of the limitations outlined in the FDCPA, it is considered harassment.

Examples of creditor harassment include:

  • Contacting a debtor outside of the permitted hours of 8 a.m. through 9 p.m.
  • Making repeated phone calls with the intent to harass or annoy
  • Using profane, obscene, or offensive language
  • Threatening harm, imprisonment, acts of violence, or otherwise intimidating a debtor
  • Attempting to deceive a debtor by making false claims or failing to identify themselves
  • Publically publishing a list of individuals who have not paid debts
  • Misleading debtors, including by falsely associating with a government office
  • Calling a debtor at work when the creditor is aware the debtor’s employer bans such calls
  • Discussing debt with anyone other than the debtor, the debtor’s attorney, the creditor’s attorney, or a credit bureau

Creditors can contact your family members, friends, coworkers, and other people who know you to find out where you live or work. They are also allowed to call you periodically in an effort to collect, as long as the calls are not unreasonably repetitive or harassing in nature. If you do not want a creditor to contact you anymore, you may inform them of this in writing. After receiving your notice, the creditor must stop all communications with you, except to let you know of specific actions they intend to take.

What to Do If a Creditor Is Harassing You

If you believe that a creditor has violated your rights under the FDCPA, there are certain steps you can take to begin the process of stopping creditor harassment. It is important that you keep detailed accounts of all communication between yourself and the creditor. Record the date and time of all calls, as well as the name of the person you spoke with and what was said. Make copies of any written correspondence you have received from your creditor in the mail or through email. This evidence can be used to support your case at the time you report the creditor to an appropriate agency.

It is also a good idea to contact an experienced attorney who can help you fight back against aggressive creditors. Your attorney will also be able to help you determine if filing for bankruptcy is the right option for you. In most cases, filing for bankruptcy puts an immediate stop to creditor harassment.

Reach out to Burgess Law Firm at (870) 293-6004 to discuss your legal options with a creditor harassment lawyer in Batesville. Our firm serves clients throughout Independence County.

Committed to Our Clients

At Burgess Law Firm, our clients come first. We understand just how difficult it is to face large amounts of debt, relentless creditors, and mounting fees. Our goal is to help you find a debt relief solution tailored to your unique situation and goals. We don’t employ a one-size-fits-all approach; instead, we work one-on-one with each client to create a personalized plan of action. We have helped countless individuals and families in serious financial situations regain control of their finances and turn their lives around. If you are struggling to overcome significant debt, remember: there is hope. Read our client testimonials to see how we’ve helped other people in situations similar to yours.

  • “He’s just an honest, hard-working attorney who cares about all of his clients.”
  • “The staff is very friendly! ”
  • “With me every step of the way!”
  • “Mr. Burgess made me feel comfortable!”
  • “As easy as I could have imagined!”