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My Debt Collectors Are Harassing Me!

What To Do To Protect Your Rights

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If you are thinking about calling an Onondaga and Westchester County bankruptcy
lawyer, chances are that your creditors are calling you frequently. If you are delinquent on your debt payments, your creditors can contact you to collect the debt. However, the U.S. government restricts their activities through the Fair Debt Collection Practices Act, and New York restricts them through its own debt collection procedures statutes. Onondaga and Westchester County bankruptcy
attorney Theodore Araujo is familiar with debt collection laws and may be able to help you if you are having problems with your creditors.
Debt collection laws restrict how your creditors communicate with you in a collection capacity to prevent debt collector harassment. At times, the sheer volume of calls you receive may make it seem that your creditors are harassing you, but any of the following activity is a violation of your rights:

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  • Pretending to be a police officer, attorney, credit reporting agency or government official
  • Attempting to collect fees that you do not legally owe
  • Disclosing or attempting to disclose false information about your credit, knowing the information is false
  • Threatening violence or harm
  • Calling you repeatedly to annoy you
  • Using profane language
  • Claiming you have committed a crime when you have not or threatening to have you arrested
  • Contacting you by postcard
  • Threatening to take legal action, seize property or garnish you without the intent and the legal right to do so
  • Attempting to collect interest unless permitted by contract or state law
  • Lying about the amount you owe
  • Lying about whether papers you received are legal documents
  • Telling your employer about the debt or threatening to do so, unless the creditor has a legal wage assignment
  • Contacting you at unreasonable hours of the morning and night, such as before 8:00 in the morning or after 9:00 at night
  • Communicating with you in a way that seems like you are being sued when you are not

If you think any of your creditors have taken any of these actions listed here, you may have a legal cause of action against those creditors. Onondaga and Westchester County bankruptcy lawyer Theodore Araujo can help you understand your rights and may be able to stop the creditor calls altogether. Contact him at the Bankruptcy Law Center today for a free consultation.