The Fair Debt Collection Practices Act

Understanding Bankruptcy Law

If you are struggling under a large amount of debt, you are probably receiving phone calls and letters from debt collectors. Debt collectors are companies that purchase accounts from creditors who feel that they are not likely going to get paid for the debt that is owed them. The debt collection companies then take over the debt and attempt to recover the money that is owed. Debt collectors are notoriously aggressive and rude, and use subversive and inappropriate methods to try to recover the debt that is owed. However, in 1978 Congress passed the Fair Debt Collection Practice Act, which prohibits some of the rude and degrading practices that debt collectors have employed over the years. In other words, it is illegal for debt collectors to contact you in a harassing or threatening manner. If you feel that you are being treated in a manner that would fall under the FDCPA, contact Price Law Group today. We can help put an end to the harassment and offer you collection defense options.

The FDCPA is a federal law that prohibits debt collectors from employing any of the following methods: calling at inappropriate hours (after 9 pm, and before 8 am), making incessant calls, saying they are an attorney when they are not, making threats they cannot support, such as threatening to sue you or put you in jail, speaking rudely about late payments, talking to your neighbors about your debt other than determining your location, speaking to your co-workers about your debt, contacting your employer about your debt and ask questions, putting a notice in the newspaper about your failure to pay them, calling you directly once you have notified them that you are represented by an attorney, and more. If any of these describe the situation you are being put through, you don't have to take it. Contact our firm today so we can help make it stop.

Enlist the Help of Bankruptcy Professionals

At Price Law Group, we are dedicated to helping our clients put an end to creditor harassment. Just because you have debt, that does not make it okay for someone to treat you in a degrading manner. We can help you put an end to the harassing phone calls, as well as help you get out from under your debt permanently. Whether through filing for bankruptcy, or negotiating a debt settlement with your creditors, we have the experience needed to speak with creditors and work out an agreement that will satisfy them, while allowing your life to get back to normal. Our firm has over 20 years of experience in dealing with financial law, and we can help you.