We understand that when you are in financial difficulties, constant harassment from creditors only serves to make the situation more stressful. The good news is that there are steps you can take to make this harassment stop. In fact, you have the government on your side to protect you against such treatment. The Fair Debt Collection Practices Act was established in 1977 in order to protect debtors from being treated badly by debt collectors. It made certain abusive practices illegal and regulated how debts should be collected.
Examples of the types of debt collection practices which are illegal include calling outside the hours of 8 a.m. and 9 p.m. It also includes using threatening or abusive language as well as embarrassing the debtor by publishing their personal information or contacting them at work. It is important for you to know that if you provide them with a written request to cease communication regarding the debt, they are obliged to adhere to your request. In your case, it appears that your creditors are not abiding by the regulations set out by this act.
If we can make a case that your creditors have violated your rights, you could have the right to file a lawsuit against them. This is not only beneficial because it protects you and your family from harassment, but you could secure compensation for the pain and suffering you had to go through. If you are successful in your lawsuit against the creditor, it could be possible that your debt is paid off. Please, do not hesitate to contact a bankruptcy lawyer from our firm so that we can examine the details of your case and get back to you regarding how we could help you.