When you're in debt, receiving constant phone calls and letters from creditors can be frustrating. This type of harassment does not make debt disappear. Rather, it adds pressure to an already stressful situation.
The Law Office of Mark A. Skelton in Rogersville helps people who are looking for relief from creditor harassment. There are certain things that creditors are lawfully banned from doing. We are familiar with those bad practices and can help you identify ways to stop them. Contact a Hawkins County fair debt collection attorney to learn more.
The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act protects consumers from unfair and abusive debt collection practices by creditors. Specific prohibited conduct includes:
- Creditors may not call you before 8 a.m. or after 9 p.m.
- Creditors may not call you repeatedly or continuously in an effort to harass or annoy you.
- Creditors may not call your place of employment if your employer prohibits such communication.
- Creditors may not call your neighbors.
- Creditors may not publish your name or address on a "bad debt" list.
- Creditors may not misrepresent themselves or provide any false information.
- Creditors may not use abusive or profane language when communicating with you.
Stopping Creditor Harassment
Through Chapter 7 or Chapter 13 bankruptcy, you can stop all forms of creditor harassment. Immediately after filing bankruptcy, an automatic stay goes into effect which stops any collection actions by creditors. You can find the relief you are seeking from unfair debt collection practices through bankruptcy.
Contact a Kingsport Stop Creditor Phone Calls and Harassment Attorney
Contact our law firm today online or by telephone at 888-899-5564 to schedule an appointment with an experienced East Tennessee bankruptcy lawyer. We offer a free offer initial consultation. In addition to regular business hours, we are available evenings and weekends by appointment at our Rogersville office.