Debt Collection Protections
Stopping Creditor Harassment through Federal Law and Bankruptcy
The Fair Debt Collection Practices Act (FDCPA)
Federal and state laws strictly regulate the conduct of debt collectors. The FDCPA was designed to eliminate abusive debt collection practices, and violations can result in private lawsuits against the collection agency. Furthermore, once a bankruptcy is filed, any continued collection efforts violate the Automatic Stay of the Bankruptcy Court.
Communication Limits
Collectors cannot contact you at unusual times (typically before 8 a.m. or after 9 p.m.) or at your place of employment if they know your employer prohibits such calls.
Privacy Rights
A debt collector may not discuss your debt with third parties (neighbors, family, or co-workers) except to obtain basic location information.
Harassment & Abuse
The use of threats of violence, obscene language, or the publication of "deadbeat lists" is strictly prohibited under federal law.
False Representations
Collectors cannot falsely claim to be attorneys, government officials, or threaten that non-payment will result in jail time.
How to Stop the Calls
Under the FDCPA, you have the right to notify a debt collector in writing that you refuse to pay the debt or wish for them to cease further contact. Once received, they must stop all communication except to advise you of specific legal remedies they intend to pursue.
If a collector is using illegal tactics, you should inform them that they are violating the Debt Collection Practices Act and that you intend to take legal action. At Krupp Law Offices P.C., we help our clients use the power of the law to end harassment immediately.
The Ultimate Solution: Bankruptcy
While the FDCPA limits how they collect, Bankruptcy stops the collection entirely. The moment we file your case, the court issues an injunction that prevents any creditor from calling, writing, suing, or garnishing you.
Legal Protections
End the Harassment
Stop the phone from ringing today. Our attorneys have over 85 years of experience fighting for debtors.
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