Creditor Harassment: It's Unfair & Illegal

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Fight back against creditor harrassment

Creditors calling day and night, leaving embarrassing voicemails and calling several times in a row from private and masked numbers is downright wrong. They make you feel as though you are a bad person for owing them money and while you're already in a tough financial situation, these awful creditors make it seem as though you'll never get out from under your debt. It's not fair how collectors treat people and there are laws in place to punish malicious behavior from debt-collectors. The Fair Debt Collection Practices Act (FDCPA) protects people from harrassment by debt collectors. The FDCPA allows consumers to collect up to $1,000.00 per lawsuit. Additional attorneys fees and costs may be covered where the debtor successfully proves an act of harrassment.

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We have lawyers on staff to sue these malicious creditors for you. You can sometimes get $1,000.00 per violation. Let us know immediately if you are being harassed by creditors. There is no cost to you for us to sue the creditors for you.

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Under the Fair Debt Collections Practices Act (FDCPA),
it’s illegal for debt collectors to do the following:

Harassment. Debt collectors may not harass or abuse you or any third parties they contact. They may not:

threaten you with violence or harm

use obscene or profane language

insult you

call repeatedly

call during unreasonable times, such as before 9 a.m. or after 9 p.m.

threaten loss of child custody or welfare benefits

contact your neighbors about your debt (they may only contact them to locate you, but may not mention the debt)

contact your employer if youve told them not to

Make False statements. Debt collectors may not lie in an attempt to collect a debt. For example, they may not:

falsely claim they are government representatives or lawyers

falsely claim that you have done something illegal

falsely claim that they work for a credit reporting company

tell you a false amount of debt owed

state that documents they send are legal forms if they aren’t

Debt collectors can’t say the following:

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you will be arrested for not paying

they’ll garnish, take, or sell your property or wages unless they are allowed by law and intend to take action

legal action will be taken against you, if it’s illegal to say so or if they don’t intend to take the action

Debt collectors may not:

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misrepresent your credit information to anyone, including a credit reporting company

send you anything that looks like an official document from a court or government agency if it isn’t

use a fake company name

publish your name (except to credit reporting agencies)

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WE WILL MAKE SURE DEBT COLLECTORS STOP HARRASSING YOU WHEN YOU FILE BANKRUPTCY.

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Paolucci Law is a very experienced bankruptcy practice in Akron and Cleveland, Ohio and deals with creditor harassment daily. We’ll stop creditor harassment by:

Taking all calls from all your creditors, they deal with us as soon as you become our client

Immediately dealing with their threats and ceasing all threats

Stop them from calling your work and neighbors

Outline legal action you may take against collection agency harassment