If you’ve been dealing with a creditor that is harassing you to collect debt, you may feel scared, hopeless, and unsure of what you can do to put an end to the maltreatment. When a creditor calls you at work, makes phone calls to your family members, verbally insults you, or threatens to take certain types of legal action against you, it’s time to consult with a debt collection attorney like Joy P. Robinson, PC.
PROTECTION FROM ILLEGAL COLLECTION PRACTICES
Under the Fair Debt Collection Practices Act (FDCPA), consumers have rights that protect them from illegal debt collection practices. If a creditor violates your rights by engaging in illegal debt collection tactics, it is considered creditor harassment, and the creditor can face significant legal consequences. Although these nasty tactics are not legal, some creditors will cross over this line regardless, banking on the fact that you will be unlikely to follow up. This is why you need to empower yourself by contacting a Maryland debt law attorney so that you can stop the harassment for you and send a message to these collection agencies.
Debt collection activity has increased quickly over the past decade or so. According to a research study at the University of Maryland, debt collectors purchased more than $110 billion in old debts in recent years. In order to protect consumer privacy and to establish clear guidelines for how these debt collectors may act, the Fair Debt Collection Practice Act was created.
Under this law, debt collectors in Maryland are only allowed to contact between 8 a.m. and 9 p.m. They cannot use threatening language against you, claim they will ruin your reputation, or threaten to arrest you. They are also forbidden from pretending to be an officer of the law or an attorney. If you have already experienced a Maryland debt collector violating these rules, you may have grounds for an unfair debt collection practices claim, and the offices of Joy P. Robinson, P.C. can help you. Documenting your experience and speaking to an attorney could stop these collection agencies from breaking the law in the future, so it’s important to have a legal representative as soon as possible.
How to Protect Yourself
If you have already become a victim of unfair debt collection, keep the following tips in mind in case you may need to ultimately file a suit:
- Maintain written records of all payment you are making to pay off the debts
- Do not give any personal information, like your Social Security number or your banking details
- Respond immediately to an agency if you intend to dispute a debt
- Get as many details as you can about who is calling you, and keep records of all the calls
- JOY P. ROBINSON, PC INTERVENES ON YOUR BEHALF
JOY P. ROBINSON, PC INTERVENES ON YOUR BEHALF
Joy P. Robinson, PC can advocate for you when you are too frightened to deal with your creditors on your own. Once engaged, Joy P. Robinson, PC intervenes on your behalf and informs your creditors of your rights under the FDCPA. If your creditors continue to unlawfully harass you, Joy P. Robinson, PC can take legal measures to put an end to their abuse and report their illegal behaviors. If you’re in this situation and feeling overwhelmed and frustrated, you’re not alone. You might feel like the situation is spiraling out of control and beginning to impact your ability to work and live your life. What you need is a knowledgeable attorney who can help you put a stop to this harassing behavior. Take your future into your own hands and contact a debt law attorney in Maryland immediately.
If you’ve been a victim of illegal debt collection practices, you do not have to suffer alone. Call today or contact us to speak with an attorney who can help put unruly creditors in their place.