Sherman Oaks Creditor Harassment Lawyers
If a creditor has been making repeated, harassing calls in an attempt to get money from you, there may be relief by enforcing your rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA controls what practices creditors are allowed to use when seeking debt payments, and by working with an attorney you can force a harassing creditor or debt collection agency to stop what they are doing, whether you are in medical, student loan, credit card, or mortgage debt. The Sherman Oaks credit harassment lawyers at Wadhwani & Shanfeld are more than familiar with the provisions set by the FDCPA and what creditors can and cannot do when seeking payment. We can help you put an end to harassing calls, text, letters, and emails.
Lenders Make Billions From Extending Lines of Credit
Capitalism as we know it depends on people using credit to pay for things they currently do not have the capital to fund. No one would ever be able to buy a house without a line of credit. The same is true when it comes to other major purchases, such as a vehicle or paying for expensive medical bills. Banks, credit card companies, and other lenders are excellent at marketing their services and convincing people to take out a loan or get a new credit card in order to fund various purchases, and they are handsomely rewarded in the process. The biggest banks in the U.S. all have capital worth well over $1 trillion. Despite their large profits, lenders and the debt collection companies that work for them pull out some of the dirtiest tricks in the book when it comes to forcing borrowers to pay up. They know the significant stress, and sometimes shame, caused by being in debt, and use that to their advantage by piling on additional anxiety in the form of harassing tactics.
Examples of Creditor Harassment
The following types of creditor harassment are prohibited by the FDCPA:
- Making repeated phone calls with the intent to harass, oppress, or abuse
- Sending repeated texts, emails, or using other forms of electronic communication with the intent to harass, oppress, or abuse
- Making phone calls and the caller refuses to tell you their last name
- Using obscene or profane language
- Making threats of violence
- Putting you on a published list of debtors who refuse to pay their debts
Furthermore, debt collectors cannot call or otherwise communicate with debtors at unusual times, which means before 8:00 a.m. and after 9:00 p.m. in the borrower’s time zone. Additionally, unless given authority by a court, a debt collector cannot come into contact with a borrower at any inconvenient place, such as the borrower’s place of employment.
Call a Sherman Oaks Creditor Harassment Lawyer Today
If you believe that you are being harassed by a debt collector, the time to take action is now. By working with us, you can get the debt collection agency off your back for peace of mind. From there, we can also help you extinguish or minimize the debt you owe. Call the Sherman Oaks creditor harassment lawyers as Wadhwani & Shanfeld today at 899-996-9932 to schedule a free consultation.