Fort Worth Creditor Harassment Lawyers
When you get far behind on bills, banks, credit card companies, and other businesses can become pushy and intrusive, trying to turn your debt over to collection agencies. They will call you day and night in the attempt to collect a debt.
Many victims of this practice seek our Fort Worth creditor harassment attorneys to help them resolve their financial worries and deal with creditors. Collection agencies are often some of the most menacing and unprofessional businesses you will ever encounter, and their debt collectors typically work on commission incentives and bonuses for the amount of funds they are able to draw in over the phone.
Because of this, collection agents will often go to any means to collect a debt, including:
- And making embarrassing phone calls to your place of business
Alice Bower, Attorney at Law is ready to halt these illegal, aggressive tactics before they harm your business and reputation.
The Cease and Desist Letter to Creditors
The Fair Debt Collection Practices Act (FDCPA) lays out a set of ground rules that collection agencies are obligated to follow in accordance with federal law.
Unfortunately, not a lot of consumers know their rights and debt collectors often take advantage of them through the use of illegal collection practices, which is why our lawyers have gathered some of the most rapid and powerful strategies for wearied victims to fight creditors.
One of the most effective actions a consumer can take to stop collection phone calls is to send a cease and desist letter.
As you do this, make sure that you always:
- Ask the collection agent to identify himself or herself by first and last name and for the collection agency's address
- Verbally tell the collection agent over the phone not to call you anymore, and inform him or her that you will be sending a cease and desist letter
- If the agents try to claim they have the right to harass you, refer to their legal obligations of adhering to the Fair Debt Collection Practices Act
- Write a brief letter telling them to cease and desist all telephone attempts to collect your debt, including calls to your home, your place of business, or to any of your friends or relatives
Screening & Recording Phone Calls
Once a cease and desist letter is sent, there is a good chance the collection agency will continue to call you – which is illegal. Having a quality caller ID installed on your phone will help you screen and keep a record of every one of these phone calls.
If you have a legal representative, he or she may even advise you to answer and record the call if the collector is persistent and aggressive. Check to see if yours is a “two party” state, meaning that the person you call must be notified that you are recording the conversation.
Gathering Evidence for Legal Support
It is important to have as much evidence as possible for your attorney to prove your harassment.
Having an audio recording of phone calls from debt collectors is an effective means of gathering evidence of illegal practices such as:
- Fraudulent statements
- Abusive language
- And other encroachments of the FDCPA
Our determined debt relief attorneys at Alice Bower, Attorney at Law can leverage this evidence in a lawsuit against the debt collector and the collection agency.
We are so thankful and greatful we came to Alice for our bankruptcy.- Aurelio S.
Alice and her team are absolutely amazing!- Yessenia C.
Highly Highly Recommend Alice Bower's office to any person who needs help.- Sanjay A.
This whole office cares for their clients- Tracy P.
I highly recommend her services- Abram C.