Are there laws that restrict how creditors can contact debtors?
In general, creditors may call your home or cell phone during the hours of 8 a.m. and 9 p.m. Late night or early morning calls may be considered harassment. Also, creditors are not allowed to contact you at your place of employment. If they attempt to contact family members, friends, employers, or other people in your life, this is also considered harassing behavior.
What can I do to put a stop to creditor harassment?
A skilled West Virginia creditor harassment lawyer can be the mediator between you and the parties you owe money to. In our experience, creditors will cease and desist with any illegal harassment once the presence of a lawyer is established.
What will a meeting with a creditor harassment lawyer cost me?
At the law firm of Hewitt & Salvatore, PLLC, we understand that you are facing a mountain of financial troubles. It is our job to help improve your situation, not add to your debt. That is why we work on a contingency-fee basis, offer free consultations, and do not expect payment upfront. In creditor harassment cases, if we are successful in getting a financial recovery from the collection agent, our fee will be deducted from your settlement.
Do I have a case under the Fair Debt Collection Practices Act?
If you answer “yes” to the following requirements, then you most likely are dealing with a FDCPA violation:
Are you a consumer?
Is the debt in question a consumer debt (not a business debt)?
Is the harassing creditor a third-party debt collector (not the primary creditor)?
Have the rules stated in the FDCPA been ignored? (Is the collector treating you with disrespect, harassing family or friends, making false statements, or acting in a degrading manner?)
How can I help my attorney?
Any proof you can provide regarding harassing incidents will be very helpful. Document the times of harassing phone calls and the frequency, and try to record any harassing language.
If you want to take legal action and stop the annoying creditors from invading your life, the Fayetteville creditor harassment lawyers at Hewitt & Salvatore, PLLC are here to help. With offices in Fayetteville and Beckley, West Virginia, we are easily accessible and willing to get to work to stop the nagging credit companies. Please contact our attorneys us today. One call, that’s all.