Debt collection efforts by banks, collection agencies, and law firms can disrupt your life. Constant telephone calls at all hours, threats, and repeated demands for money that you just don’t have can make you feel harassed and abused. Debt collection can cause problems with your home life, embarrassment, and even drive you to bankruptcy. Many people don’t know that there are laws that restrict what debt collectors can and can’t do. Generally, those laws forbid debt collectors or creditors from:
- Making frequent phone calls when you’ve told them to stop or that you can’t pay them
- Collecting money that you don’t owe or collecting old “zombie” debts
- Calling at unusual or inconvenient times or places
- Calling you at work when you’ve told them to stop
- Telling friends or relatives about your debt
- Calling your cell phone without your permission
Many people are unsuccessful in stopping debt collector harassment on their own because some debt collectors are not threatened by consumers without an attorney and may believe that people don’t understand their rights. An experienced attorney knows the required steps to stop creditor harassment. Without an attorney, you could miss important steps that will enable the debt collectors to keep harassing you.
If you’ve been subjected to harassment, we might be able to force the bank, debt collector, or law firm to pay you. We utilize state and federal laws that entitle you to as much as $1,000 from each entity violating those laws or could get you as much as $1,500 per phone call. The debt collector must also pay for your attorneys’ fees, which allows lawyers like Shrader Law to help you on a contingency fee basis. In other words, you don’t pay us. If we win, the harassing debt collector pays us – and you.
Shrader Law has sued debt collectors, banks, and law firms hundreds of times. This litigation has included class actions and multidistrict litigation. We know how they operate and can help you push back against them. Call us at 813-360-1529 for a free evaluation of your case.