Creditors can be one of the most stressful parts of bankruptcy proceedings. They call at odd times, often multiple times a day, and can sometimes be rude, disrespectful, and confrontational. While taking legal action will stop them (if you are represented by an attorney, creditors must go through the attorney regarding any debts you might owe), there are also steps you can take yourself to prepare yourself.
Credit collection agencies are guided by a series of rules that prohibit unfair practices. The Consumer Financial Protection Bureau is an agency designed to prevent these unfair practices, and the ones who set the rules on what creditors can and cannot do to consumers. Under the Fair Debt Collection Practices Act (FDCPA), creditors are prohibited by law from doing the following:
If you are experiencing any of these abusive tactics, you may be entitled to a lawsuit against the agency seeking attorney’s fees or other compensation.
In order to deal with these calls, there are certain steps that you can take to make sure that they are treating you fairly, and also to ensure that you have proper documentation if you ever feel the need to sue the agency.
Bankruptcy can be a stressful situation, but we are here to make it as easy as possible for you to get back on your feet. Call us today at (951) 304-3431 or email us at email@example.com to get the process going. We are here to help you as best we can.