Creditor Harassment Lawyers

Fayetteville, Beckley, and all of West Virginia

West Virginia Consumer Credit and Protection Act

The state of West Virginia has a law that protects consumers from becoming victims of illegal debt collection practices. The West Virginia Consumer Credit and Protection Act, overseen by the Attorney General’s Office, is an important part of ensuring debtors’ rights are being respected. If you, your family members, or your friends are being harassed by debt collectors, our experienced creditor harassment lawyers can help.

Determining Consumer Credit and Protection Act Violations

The debt collection practices that are considered illegal activity are outlined very specifically in the Act. Collection agents are not allowed to engage in deceptive, fraudulent, or misleading behavior. If they falsely represent your situation, or doctor the records of your repayment or collection attempts, the offenders can face stiff penalties. Collectors may not contact anyone other than the debtor, such as family members or employers. Any attempt to make the status of your unpaid debt public could be considered defamation of character. The skilled consumer credit protection attorneys at Hewitt and Salvatore, PLLC can evaluate your situation, help you determine if your rights have been violated, pose a solution, and take action.

Here are some scenarios that may be considered violations of the Consumer Credit and Protection Act:

  • A collection agent discusses your debt with your employer.
  • A collection agent calls repeatedly at late night or very early morning hours.
  • A collection agent says you owe more money than you do.
  • A collection agent details records of collection attempts that never occurred.
  • A collection agent uses obscene language over the phone or in writing in an attempt to collect the debt.
  • Collection agents are hostile or demeaning over the phone.
  • A collection agent attempts to collect your balance from friends or family members.
  • A collection agency disregards letters from the debtor or debtor’s attorney asking them to discontinue the harassing communication.
  • Collection agents threaten illegal or impossible actions to coerce debtors into making payments.
  • Collection agents are doing business illegally (they have not met state licensing requirements).

To learn more, please visit our Questions About Creditor Harassment page.

For additional resources to help you understand the law and your rights more clearly, visit The West Virginia Office of the Attorney General, The National Consumer Law Center (NCLC) Debt Collection section, or the  Federal Trade Commission (FTC), Consumer Protection.

Get all the details on the West Virginia Consumer Credit and Protection Act and talk to an experienced attorney about your rights. At Hewitt & Salvatore, PLLC, our West Virginia creditor harassment lawyers offer free legal consultations and straightforward, valuable guidance. Please contact our legal team today to set up a personal meeting in Fayetteville, Beckley, or any part of West Virginia. One call, that’s all.