Kansas Creditor Harassment Attorney
Taking Legal Action Against Creditor Abuse
Creditor harassment involving phone calls at odd hours, rudeness or communication with your employer can be very frustrating. The creditors may have taken it a step further by threatening wage garnishment, execution on your bank account, repossession or foreclosure. Fortunately there is something you can do about it. Your first step should be to contact the Kansas bankruptcy lawyer at Rick Hodge, Attorney at Law, L.C.
The Fair Debt Collection Practices Act (FDCPA)
This law governs what collection agencies may and may not do. Here are some of the prohibited actions:
- They may only contact you between 8:00 a.m. and 9:00 p.m.
- They may not say they are an attorney if they are not.
- They are forbidden to publish your name in a "bad debt" list.
- If you tell them in writing to stop calling you, they must stop unless they have something significant to tell you.
- They may not incessantly call you.
- If you tell them that you are represented by an attorney, they must stop communicating with you directly.
If the collections agency violates any of these rules, you would have the right to sue them for damages and attorney fees.
Explore Your Options with Our Firm Today
Bankruptcy is your final line of defense and not to be used unless you need to as you can do it only once every six years for Chapter 13 and every eight for Chapter 7. When you file bankruptcy, all creditor action including phone calls, law suits, repossessions and foreclosures must stop. If you file Chapter 13, you work out a plan to pay off your creditors over three to five years. You may keep your house or car if you continue can keep up the payments on them.
If you do not make enough to pay off your debts, you may use Chapter 7 where all non-exempt debts are cancelled. Rick Hodge, Attorney at Law is available to help. We are a vigilant and seasoned law firm dedicated to helping consumers throughout Kansas. You do not need to visit our office. A skilled bankruptcy attorney at the firm will consult with you over the phone and advise you how we may assist.
Contact a Kansas creditor harassment defense attorney to protect against creditor harassment and abuse.