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What rights do I have?

The Federal Fair Debt Collection Practices Act has very strict guidelines as to what a debt collector is allowed to do to attempt to collect a debt. There are very specific methods that are definitely prohibited. The law is designed to protect consumers from the use of abusive, deceptive and unfair debt collection practices.

Some of the methods a debt collector may use are to contact you in person, by mail, telephone, telegram, or fax. However, they may not contact you at unusual times, including before 8 a.m. or after 9 p.m. If a debt collector contacts you at work and you advise him he may not do so again, he is no longer supposed to call you there. A debt collector must also stop contacting you if you write a letter to them advising them to stop. This letter should be sent certified mail to ensure they received it. Although they may not contact you again, this does not prevent the creditor you owe money to from suing you for the debt.

It is best in this situation that you find a professional debt management attorney to protect your rights. At Pacific Attorney Group, we understand the stress and emotional turmoil you may be going through during your financial difficulties. There are many ways to stop the harassment and put you on a path back to financial stability. Did you know that if you have an attorney, the debt collector must contact the attorney and can no longer contact you?

Bankruptcy Attorney in Los Angeles

There are many unethical things that debt collectors do which you should be aware of. You may not even know that some of the things you are being told, or ways you are being contacted are illegal. To protect your piece of mind, below are listed just a few of the ways that are against the law and that a skilled bankruptcy attorney can easily put an end to.

  • Contact people you know more than once.
  • Advise your employer or people you know that you are in debt
  • Use threats of violence or harm
  • Publish a list of people who "refuse" to pay their debts
  • Use obscene language to communicate to you
  • Annoy you repeatedly over the phone
  • Use false information about your situation when speaking to you or anyone you know
  • Threaten to have you arrested

Not only can our attorneys stop the harassment, but you also have the right to sue a collector in a state or federal court within one year from the date the law was violated.

Collection agencies are normally very aggressive, especially now with our current financial scene. Living with the crushing weight of unpaid debt can be quite overwhelming. However, we are here to help and can provide relief for you very quickly. Simply call our office today to get started!