Protecting Consumers From Abusive Debt Collectors
Creditors have the right to payment for credit card debt and other financial obligations. When a consumer defaults on a debt, a creditor can and will seek to enforce its right to payment. The right to pursue payment, however, does not include harassing consumers, lying to obtain payment, or engaging in other abusive or deceptive actions.
In fact, consumers have strong protections from abusive debt collection under complex state and federal laws. At the Law Offices of Kenneth Hiller, PLLC, we use these laws to protect clients from aggressive collection agencies that do not follow the rules. We serve clients in Rochester, NY.
Claims Under the Fair Debt Collection Practices Act
The federal Fair Debt Collection Practices Act (FDCPA) governs how creditors may seek payment from creditors. Usually, the act applies to collection efforts by third parties rather than the original creditor. These third-party creditors, including collection agencies, debt collection law firms and debt buyers are the most frequent perpetrators of creditor abuse.
The FDCPA prohibits abusive actions such as:
- Claiming your debt is larger than it is
- Contacting you at work after you have asked them not to
- Saying you will be arrested or that your property will be seized
- Calling you before 8 a.m. or after 9 p.m.
- Claiming to be a lawyer
- Discussing your debt with others, except for a lawyer or credit bureau
How We Can Help
If you have been subjected to his harassment, our attorneys will focus first on helping you find relief from the stress by stopping collection calls. We will thoroughly assess your situation, and in appropriate cases we can sue the collection agency. You may able to recover compensation as a result of these abusive debt collection practices.
Learn How the Law Offices of Kenneth Hiller Can Help You
You have options if an overzealous creditor or debt collector is harassing you. Learn more about your rights against collection agency abuse and how our attorneys can help you during a free consultation with the Law Offices of Kenneth Hiller, PLLC. To reach us, call 877.236.7366 or contact us online.
We handle most cases, except certain credit card defense cases, on a contingency fee basis. As a result, you will owe us nothing unless we are successful in your claim. If the court finds that the other party violated the law, that party may be required to pay your legal fees.