POSTED BY admin@texas ON THIS February 16, 2023 AT 12:16 am
Are you having difficulty managing your debts? If so, you may be feeling the strain of creditor harassment, such as constant phone calls, emails, and letters. It’s understandable that this can be difficult to handle. Fortunately, there are ways to stop creditors from harassing you.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets out what creditors are allowed to do when collecting a debt. For instance, creditors must not call you until 8:00 am or after 9:00 pm, use abusive or intimidating language, or contact you at work if you’ve asked them not to. Knowing your rights is key to recognizing which behavior from creditors is acceptable and which is not.
Communicating with your creditors is key, even if it’s tempting to ignore them. Show them that you are taking the situation seriously by being honest about your financial situation and explain what you can realistically afford to pay. Furthermore, make sure to keep a record of all communication – this should include the date and time of phone calls, the name of the person you spoke to, and a brief summary of what was discussed. This can be beneficial if you need to file a complaint.
If your attempts at communication with your creditors have been unsuccessful, you can request they cease contact with you. A “cease and desist” letter is a legally binding document that requires them to stop all communication. It is important to note that this may not stop legal action being taken against you, so be aware of that before sending the letter. You can also reach out to credit counseling agencies for assistance with debt management and negotiating with creditors. Many of these services are free of charge, but be sure to look for an agency accredited by the National Foundation for Credit Counseling.
If you’re struggling to cope with your debt and can’t find a solution, you may want to consider bankruptcy. This could put an end to creditor harassment and provide you with a clean slate. Nonetheless, filing for bankruptcy should be the last resort as it could have long-term repercussions on your credit history and financial future.
If you’re living in Houston and dealing with creditor harassment, it’s important to take steps to protect your rights and put a stop to the hassle. A great way to do this is to get in touch with our Houston creditor harassment lawyers. Our experienced attorneys at Texas Debt Defense can inform you of your legal rights and potential solutions, discuss with creditors on your behalf, and file a lawsuit if needed. Furthermore, we can help you develop a plan to manage your debt and ward off any future harassment. Call us today and schedule a free initial case consultation.