If you are deeply in debt and dealing with harassing creditors, you should be aware of your rights under West Virginia and federal law. You do not have to sit back and accept demeaning calls and letters designed to intimidate you into paying your balance. The West Virginia creditor harassment lawyers at Hewitt & Salvatore, PLLC work hard to protect debtors’ rights.
Your Rights as a Debtor
As a debtor (one who is unable to pay outstanding debts), you are entitled to certain protections under law. There are several sources governing debtors’ rights, including the Fair Debt Collection Practices Act, bankruptcy laws, and state laws. Debtors’ rights are in place to ensure fair treatment by creditors and collection agents. Here are a few of the general rights you are entitled to as a debtor:
You have the right to be free from threatening, demeaning, or intimidating collection practices.
You have the right to know the facts about the amount you owe, as well of the terms of your collection process.
You have the right to a legal hearing before a judgment is made about an overdue debt.
You have the right to a feasible opportunity to resolve your debts.
Your Options for Resolution
Fayetteville Creditor Harassment Lawyer, Greg Hewitt and Beckley Creditor Harassment Lawyer, Anthony Salvatore can advise you of your rights as a debtor and provide valuable legal advice as to the best course of action. If you are currently receiving profane or obscene phone calls, we can work to put a stop to the harassing actions. During a free first consultation, our team will review your accounts, evaluate creditor harassment scenarios, look at your current income, and help you decide whether filing bankruptcy, financial reorganization, filing a creditor harassment claim, or another solution is right for your situation.
To get more information on debtors’ rights and talk to a dependable West Virginia attorney about your debt situation, contact Hewitt & Salvatore, PLLC, Attorneys at Law right away. We have offices in Fayetteville and Beckley to accommodate a wide range of clients. One call, that’s all.