Louisiana Fair Credit Reporting Attorneys
Few things are as disheartening when you are in financial crisis as the ring of a telephone or a letter in the mailbox. You wonder if it’s another collections call or letter threatening to take action against you if you do not pay a debt. Maybe you have already filed for bankruptcy but the calls keep coming every evening just before bed.
One call can stop all of that. When you contact Grand Law Firm in New Orleans or Baton Rouge, Louisiana, we will take an immediate step to prevent continued harassment. Contact a bankruptcy attorney today for a free initial consultation. Call 1-888-860-3543.
Facing Harassment or Hounding From Creditors?
If you are being harassed by a collection agency or unreasonably hounded after attempting to address disputed matters, you are not alone. Nor are you without options. You don’t need to put up with this type of behavior. According to the Fair Debt Collection Practices Act (FDCPA), debt collectors and collections attorneys may not:
- Engage in harassing activity (abusive language, threats of violence or harm, repeated calls or unidentified calls) in an attempt to collect a debt
- Contact you before 8 a.m. or after 9 p.m.
- Contact a third party about your debt
- Contact you if you are represented by an attorney
- Make false statements
- Threaten legal action that they don't intend to pursue
- Use deception or lie to you
- Engage in any unfair behavior or conduct in an attempt to collect a debt
Know Your Rights as a Consumer
The FDCPA also ensures the rights of consumers. Under this act, you have the right to:
- Dispute the debt and request validation of the debt
- Sue a debt collector or collection attorney who has violated your rights under the FDCPA. Your suit must be filed within one year of the violation.
If you have been the victim of an overzealous debt collector and wish to take legal action, do not hesitate to contact Grand Law Firm. We are happy to discuss your case with you and advise a course of action. Call 1-888-860-3543.
