Fighting Debt Harassment And Other Consumer Credit Issues

It is common for people who owe money to avoid answering calls from unknown numbers and delay opening mail. If you have used these aversion tactics, you are certainly not alone. You may not even know how much you owe and to whom it is owed.

Unfortunately, many debtors are also ignorant about their rights as consumers. And creditors and debt collectors regularly try to exploit this ignorance by engaging in practices that are unethical and illegal.

The good news is that, with the help of an experienced attorney, you can fight back.

Did A Creditor Or Debt Collector Break The Law To Collect From You?

The primary law protecting consumers is the Fair Debt Collection Practices Act (FDCPA). It places limits on how debt collectors can contact you, how they communicate about your debt and what actions they can take to collect.

The FDCPA is lengthy, but here are just some of the provisions you should know about. Debt collectors (on their own or on behalf of creditors they work for):

  • Cannot call you excessively
  • Cannot call at inconvenient times (usually prohibited between 9 p.m. and 8 a.m.)
  • Cannot use abusive language, threats of violence or public embarrassment
  • Cannot lie about who they are, what authority they hold and what will happen to you if you don't pay
  • Cannot disclose your debts to anyone who is not authorized to know (even mail sent to your home must look fairly plain and inconspicuous to anyone who might read the envelope)
  • Must inform you that you have the right to dispute the debt you supposedly owe
  • Must provide written proof that you owe the money and that the collector has a right to collect it from you, upon request
  • Cannot contact you at work or through certain other means after you make it clear that you do not give permission for them to do so

If a debt collector has violated the FDCPA or engaged in other practices that you believe are illegal, please seek the help of a debt harassment lawyer like Kathryn Brow. Our firm may be able to help you bring legal action against the at-fault company and recover money damages.

Fighting Back Against Wrongful Practices Of Banks And Lenders

Creditors (with whom your debt originated) are not bound by the rules of FDCPA, but they are governed by other laws. Unfortunately, banks and lenders regularly violate the rights of consumers in ways that can result in serious financial jeopardy or the loss of a home.

At Brow and Associates, LLC, we are ready to help you seek compensation if you have been the victim of any illegal financial practice, including:

  • Wrongful foreclosure — Foreclosure carried out on a current account or carried out improperly
  • Wrongful bank accounts — Did your bank open an account without your knowledge or permission? Were you charged fees or charged for services related to those accounts?
  • Student loan wrongful collections — The rules governing collection practices differ depending on if the loan is federal or private and if the debt has gone to a third-party collection agency. But if something seems wrong about the ways in which you are being contacted or spoken to, please discuss your concerns with an experienced attorney.

Contact Us For A Free Case Evaluation

Brow and Associates, LLC, has offices in Greensboro and Augusta, and we serve clients throughout east-central Georgia. To schedule a free case evaluation by phone, call us at 706-688-9007, or send us an email.

We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.