Chicago Creditor Harassment Lawyer
Defend Yourself Against Abuse by Creditors
You do not have to put up with creditor harassment and debt collector abuse. You might have tried to negotiate with creditors or tried to be reasonable with them. If you have asked them to stop calling you and sending you letters, and they continue to threaten you, speak to you in a degrading manner or harass you, it's important you receive legal representation from our creditor harassment attorney in Chicago. In some cases, they may use unlawful tactics against you, and you have the right to take legal action against the creditor or the collection agency that is targeting you!
How Many Calls from a Debt Collector is Considered Harassment?
There is no specific number of calls that defines creditor harassment. The harassment comes in different forms and in some cases, creditors may use several illegal tactics in order to collect from you. As a consumer, you have rights through the Fair Debt Collection Practices Act (FDCPA).
What is Considered Harassment by a Creditor?
Collection harassment or creditor harassment is when the collector uses tactics that intimidate, abuse, bully, or coerce an individual into paying off their debt.
Below, are common examples of creditor harassment:
- Receiving multiple phone calls intended to annoy or abuse you
- Calling without informing you who they are
- Using obscene, offensive language in communication (conversation, email, texts, mail, etc.)
- Threatening you with violence
- Talking to your friends or neighbors about your debt
How to Stop Creditors From Harassing You
By talking to a creditor harassment lawyer at our firm, you can find out what options you have in the face of creditor abuse or harassment. One of your options may be filing for bankruptcy. Although there are many myths about the consequences it could have on an individual and their family, there are many benefits to filing!
Filing for bankruptcy places an automatic stay on all debt collection actions, including legal action, lawsuits and all contact by creditors or debt collection agencies that are attempting to recover the money a debtor owes. Bankruptcy can also potentially stop foreclosure proceedings and give a debtor time to stop and think about his or her options. By filing for bankruptcy, you might be able to finally achieve the much-needed peace of mind you have been looking for.
Can I Sue a Debt Collector for Harassment?
Yes, the FDCPA gives you the right to sue a debt collector for using abusive tactics to get you to pay off your debt. If they are found to have engaged in harassing behavior, you are entitled to $1,000 in damages, plus attorney fees.
Let a Creditor Harassment Attorney in Chicago Protect Your Rights
Creditor harassment after bankruptcy is illegal, and you don't have to put up with it. Make sure you have a competent bankruptcy attorney at your side to protect your rights.
Your initial consultation is free! Call
(312) 957-8077 to speak with Attorney Joseph P. Doyle.
Our Chicago creditor harassment lawyer is ready to fight for your rights and your financial future!