Marietta, Georgia attorneys protecting debtors’ rights
Creditors often use threatening tactics to collect debts. However, nasty phone calls, aggressive letters and contacting your employer, friends and family — actions that are intended to intimidate you — may be illegal under certain circumstances.
Our Georgia creditor harassment lawyers at Gentry, Smith, Dettmering, Morgan, Schnatmeier & Collins, LLP have more than 80 years of combined experienced defending debtors’ rights. We help you put an end to the harassment and obtain debt relief.
U.S. and Georgia harassment laws forbidding abusive collection tactics
The U.S. Fair Debt Collection Practices Act (FDCPA) prohibits specific types of debt collection methods. Debt collectors are forbidden to engage in abusive conduct, such as:
- Contacting you at unreasonable places or times — such as early morning or late night
- Contacting you at your job if the debt collector knows that your employer does not approve of personal phone calls
- Contacting you if the debt collector is aware that you have retained an attorney
- Threatening you with violence, damage to your reputation or destruction of your property
- Using profane language
- Calling you repeatedly to annoy you
- Not meaningfully identifying themselves during telephone conversations
U.S. Fair Debt Collection Practices Act prohibits deceptive practices to collect debts
The FDCPA prohibits debt collectors from providing false and misleading information or misrepresenting the truth. You may have a cause of action if a debt collector deceives you by:
- Providing a false identity
- Pretending to be a government representative or a credit bureau employee
- Representing themselves falsely as attorneys
- Threatening to take legal action that is in fact illegal
- Claiming falsely that you face arrest or imprisonment
- Misrepresenting the debt’s amount
- Sending you letters that deceptively resemble official documents from courts or governmental agencies or that claim to be legal documents when they are not
In addition, they cannot take your home, possessions or wages without a court order.
Bankruptcy laws governing creditors’ conduct
Under the U.S. bankruptcy code, creditors and collection agencies must stop calling, writing, emailing or otherwise contacting debtors who have filed for bankruptcy protection. We demand that these debt collectors comply with the law and hold them accountable for illegal action. Our foreclosure defense lawyers also protect your home from deceptive and abusive mortgage practices.
Learn more about stopping debt collectors’ harassment from our aggressive attorneys in Marietta, Georgia
Learn more about your debtor’s rights. Call Gentry, Smith, Dettmering, Morgan, Schnatmeier & Collins, LLP at 770.771.5097 or contact us online.