Debt Harassment

Debt Harassment Lawyer in New Jersey

Worried couple looking at their bills on the sofaProtecting clients who are faced with harassment from creditors

If it’s not stressful enough that you are deeply in debt, harassing phone calls, and email/mail attempts by debt collectors to scare you into paying can make the problem even worse. If you, or someone you know, is being harassed by debt collectors, you should know that there is a law that protects consumers from this kind of abuse. The Fair Debt Collection Practices Act (FDCPA) protects you and others like you who are constantly being bombarded by harassing debt collectors. There was a time that debt collectors could legally do most anything to collect a debt. They did just that, harassing consumers in a notoriously abusive fashion.  In 1978 The U.S. Congress stepped in to enact the FDCPA in an effort to curtail the unfair debt collection tactics. Of course, if you are in debt and are receiving those harassing phone calls at all hours of the day, debt collectors may be violating the law. If you believe that you are being unlawfully harassed by creditors, you should contact Tomes & Hanratty, P.C. for a consultation today.

The Fair Debt Collection Practices Act (FDCPA) protects you from harassment

The FDCPA is a federal law that provides residents of all states with considerable rights and protections against abusive, unfair and deceptive debt collection practices used by debt collectors. The Fair Debt Collection Practices Act requires that debt collectors follow strict guidelines to protect consumers.  For example:

  • Debt collectors may contact you only between 8 a.m. and 9 p.m.
  • Debt collectors must identify themselves as debt collectors to you on the phone
  • Debt collectors may not contact you at work once you have told them not to do so
  • Debt collectors may not harass or abuse you
  • Debt collectors may not lie when collecting debts, such as falsely implying you have committed a crime
  • Debt collectors must stop contacting you if, within 30 days of them contacting you, you tell them to stop in writing
  • Debt collectors may call your neighbors, but only one time and only to ask if they know where you are at the time of the call
  • Debt collectors may not discuss your debts with any third party, with the exception of your attorney, the creditor’s attorney, a credit reporting agency, co-debtor, guardian, or parent (if the debtor is a minor).

Contact our NJ debt harassment law firm for a consultation

Our Freehold, New Jersey debt relief attorneys will intervene and stop debt collection harassment on your behalf.  As you look at your entire situation, you may be considering bankruptcy. While we are fighting to stop the debt collectors from harassing you, our bankruptcy attorneys can help you decide if bankruptcy is right for you. We have helped thousands of consumers deal with complicated problems and we are ready to put our experience to work for you. Our New Jersey consumer protection attorneys can help protect your rights and stop the abuse by debt collectors and creditors. If a debt collector is harassing you, contact a debtors’ defense attorney at Tomes & Hanratty, P.C. who will assess your case and effectively represent your needs. If you need quality legal assistance, contact our firm for a consultation today.