Pittsburgh Lawyer Stopping Creditor Harassment
When people are in debt, one of the worst reminders is the constant phone calls and letters from collection agencies. Being overwhelmed with debt is stressful enough without being hounded by debt collectors who are not sympathetic at all to your current situation.
If you believe you have been subject to abuse, harassment, unfair treatment, deception or threats by a debt collection representative or agency, you probably have been. They often employ tactics meant to scare people, which are not only unethical, but illegal as well. If you have questions about your rights, Pittsburgh law firm of Bryan P. Keenan & Associates can help you explore and assert your options regarding stopping creditor harassment.
We Help Stop Debt Collection Agencies From Abusive, Deceptive and Unfair Collection Practices
Contact us [Link to Contact Us] for a free consultation with an experienced lawyer about your situation and how we can help you.
An Experienced and Attentive Pennsylvania Debt Relief Law Firm
Did you know that if you qualify and file for Chapter 7 or Chapter 13 bankruptcy, all creditors must cease trying to contact you? They must redirect all of their correspondence to the court and your attorney. We will notify all debt collection agencies that have contacted you that you are now represented by counsel.
If collection agencies continue to contact you, the Fair Debt Collections Practices Act (FDCPA) protects you from abusive, deceptive and unfair debt collector practices. Debt collectors are collection agencies and attorneys trying to collect your debt after your creditor has stopped its efforts and sold off the debt to these third-party businesses. Collectors must follow the law or they can subject to lawsuits and penalties. You may have a claim if a collector has:
- Used offensive or derogatory language such as profanity, name calling, or racial slurs
- Harassed you with repeat calls, including several on same day, calling outside the acceptable hours, calling every day over a period of days, calls and hangs up, or a combination of the above
- Disclosed your debt information to a third party such as discussing your debt with an employer, your relative, a neighbor they have contacted
- Threatened you with action that the collectors cannot take such as saying they are going to garnish your wages and they have not even sued you yet
- Claims to be a lawyer, part of a law firm or government official when they are not
- Contacted you without identifying themselves has a collector or that he or she is with a collection agency
- Contacted you after you have sent a cease letter, been notified you are being represented by an attorney
- Overstated the amount owed, the additional fees, interest or penalties associated with the debt
- Threatened legal action when the case is barred by the statute of limitations
If you have been subject to any of these methods by a collector, even before you hire us, then you probably have a claim.
Did you know that if a collector has violated the FDCPA, you can receive actual damages plus a statutory penalty of up to $1,000.00 per violation? Our tenacious and experienced lawyer can help you pursue this option and hold guilty parties accountable if creditors have unfairly harassed you.
Contact Us Today
We charge no fees to review your claim or counsel you about whether you should file for bankruptcy to help stop creditor harassment. E-mail us [Link to Contact Us] or call us at 1-866-753-6857 to discuss filing bankruptcy and other debt relief options in free consultation with our compassionate attorney. We help people in Pittsburgh and the surrounding parts of Pennsylvania.