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Creditor Harassment Attorney Rockville, MD

Creditor harassment is the practice of intimidating, bullying, mistreating, or forcing clients into making payments on their debts. Harassment and misrepresentation are two aspects to consider while thinking about debt collection in Rockville, Maryland. If either of these things happens, the creditor is harassing you, and you may need to file a lawsuit.

If you’ve been the target of any of these harassments and think the debt collector may have broken the law, our Rockville creditor harassment attorney has your back.

Contact Kurland Law Group to find out more about your alternatives and develop a strong case. Our Rockville, MD, creditor harassment lawyer has already successfully defended clients in court and from collection agencies on countless occasions.

Why do I need a Rockville Creditor Harassment Attorney?

Look for a Rockville lawyer if your creditors are harassing you. The capacity of creditors to get in touch with you and try to collect any debts may seem to be out of your control, but there are laws and regulations that govern this.

These guidelines and laws can be explained to you by a Rockville Creditor Harassment Attorney, who may also be able to assist you in putting an end to the harassment. There are some limitations imposed on creditors under the Fair Debt Collection Practices Act that render their conduct unlawful. No matter how much money you owe, creditors do not have the right to harass you.

Our law office can help you through the complexities of the legal system when money or property is at stake. Doing so can ultimately save you time, hassle, and possibly a significant amount of suffering.

Request a free case evaluation today by visiting our homepage.

What is Creditor Harassment?

You may start receiving relentless calls and other ways of aggressive contact from debt collectors attempting to recover your debts if you are having trouble paying your expenses. The last thing you need is harassment on top of your current difficult financial circumstances.

Creditor companies may attempt to call you at inconvenient times, at work, or repeatedly. They may also threaten to have you arrested or imprisoned or to hurt you or your family. These are severe and prohibited strategies. You have the right to choose when, where, and how these companies contact you as a borrower. The Fair Debt Collection Practices Act was established to protect people and customers from the aggressive, unethical tactics frequently used by debt collection agencies.

If you need help, call our law firm today for legal advice on your case!

The Fair Debt Collection Practices Act (FDCPA)

As previously said, debt collectors may harass you in a number of ways, including making unending phone calls, using obscene language, and threatening you with injury or violence. According to the Fair Debt Collection Practices Act, or FDCPA, each of these methods is prohibited.

The Consumer Financial Protection Bureau ensures that you can receive protection from the creditor and even hold them accountable for the harm brought on by their FDCPA violations if you find yourself the target of aggressive actions. The debt collectors might also be required to pay criminal restitution if you are successful in your claim against them. They will likely be responsible for your legal fees. You can also file an official complaint with the Consumer Financial Protection Bureau about the debt collection agency.

What Rights Do I Have Against Creditor Harassment?

Take note that you always have a choice when dealing with creditor harassment:

  • when a call can be made to you
  • how to contact you
  • not to be contacted at work (after submitting a request)

Further guarantees include:

  • Honesty regarding the company and the person managing the debts
  • Honesty regarding the amount of the loan
  • Clear details regarding the original creditor
  • An opportunity to contest the debt and notification that you’re able to dispute it
  • All communication must stop or be forwarded to a creditor harassment lawyer immediately upon notice.

It may be in your best interest to get in touch with a knowledgeable bankruptcy lawyer who handles creditor harassment if you believe that your rights have been violated. You can choose to have all calls and communications sent to your attorney if you decide to have them represent you. In the event that you choose to file a lawsuit against the debt collection agency, an attorney can assist you with the complaint filing process or act as your representative.

What To Do If Your Creditors Are Harassing You?

There are a few steps you can take to protect yourself if you believe that a creditor or debt collection agency is harassing you:

Step 1: Know Your Rights

If you think Rockville debt collectors are harassing you, you must get familiar with the Fair Debt Collection Practices Act. If the debt collector violates any of the harassment or deceptive regulations, the victim has the ability to sue for FDCPA violations.

Step 2: Gather Records

You should start gathering evidence if a creditor is harassing you.

To receive assistance with this issue, get in touch with our skilled Rockville creditor harassment attorney.

Step 3: Remain Calm and Proceed Cautiously

When you’re being abused or harassed by an aggressive Rockville creditor, it’s easy to get enraged and behave rashly. This can cause you to say or do anything that will harm your case, though. Instead, try to keep your cool and operate in a calm, thinking manner at all times. This can help you reduce your stress levels and will be helpful if you end up in court. You can show that even while the creditor was being abusive, you maintained your composure and politeness.

Step 4: Request Debt Verification

If creditors are constantly calling you and pressing you about what you owe, ask for debt verification. The creditor must stop contacting you until they answer your request for information. This will not only show whether or not they are misrepresenting your debt. The debt verification needs to include your debt’s amount as well as the creditor’s name. You have 30 days to contest the validity of the debt. If you don’t dispute the debt, the creditor will assume it is legitimate.

Step 5: Contact a Rockville Creditor Harassment Lawyer

If you are a victim of creditor harassment, it is time to stand up and resist their demands. You have a right to a life without harassment and persistent phone calls. You can accomplish this with the help of attorneys in Rockville, Maryland, who are aware of the laws governing debt collection in the area. If a creditor threatens or actually sues you for outstanding debts, working with a creditor harassment attorney is even more crucial.

Step 6: Present Your Case

Working with a knowledgeable Rockville creditor harassment lawyer will increase your chances of winning the lawsuit and receiving monetary compensation for your losses.

You might have the choice of filing your complaint in a state or federal court. In addition to statutory and injunctive relief, you may also request damages for any financial losses. You can still be liable for the initial debt even if you win your lawsuit.

Is Filing for Bankruptcy Necessary to Stop Creditor Harassment?

Unfortunately, unless you have been given a forbearance or other temporary relief, there are not many legal ways that force creditors to stop contacting you at all. The only option to entirely stop these communications is to file for bankruptcy, which can provide the borrower an opportunity to regain control of their finances.

Once you’ve filed for bankruptcy, all collection efforts—including phone calls, wage garnishment, and legal action—must stop right away. This is known as an “automatic stay,” and it is in effect while the bankruptcy process is ongoing. Nevertheless, those creditors are still permitted to inform you of their intentions or voice their concerns to the court.

Not everyone should file for bankruptcy, and you shouldn’t do so just to get rid of the stress and pressure that creditors are putting on you. However, for many people, it can be a good option – preferable to allowing the stress and anxiety of the outstanding debt to persist and spiral out of control.

A knowledgeable bankruptcy attorney should be contacted if you are thinking about filing for bankruptcy. All of your available choices for paying off your debt will be covered by your attorney. An attorney can assist you in declaring bankruptcy, negotiating an installment plan with the collection agency, renegotiating the conditions of your debt, or making a lump sum agreement that, in many situations, exchanges immediate payment for debt reduction.

Call our Rockville Creditor Harassment Attorney Now!

Are you tired of having your creditor harass you? Are you hesitant to check your mail? If you answered “yes” to any of the questions above, Kurland Law Group could assist you. Protecting your rights, eliminating creditor harassment, and restoring our clients’ peace of mind are our top priorities. By choosing our law firm to assist you in solving your legal issue, you can put our skills to work for you.

Each client receives individualized service from our law office, which is also ready to answer any questions or concerns you might have. Our creditor harassment attorneys are well aware of the legal rights and restrictions that apply to creditors.

Call us right away to get a free case evaluation.

Kurland Law Group

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