Bergen County Collections Harassment Lawyer
Hudson County Creditor Harassment Attorney
Know Your Rights Against Collections Harassment: Serving Bergen, Passaic and Hudson Counties
Just because you are having financial problems does not mean creditors can harass you for payment. Facing credit card debt or repossession of property is already difficult enough. The situation is only made worse by abusive creditors. You have rights and protections under the Fair Debt Collection Practice Act (FDCPA). Bill collectors cannot harass you. It is the law.
There are a broad range of actions that can constitute creditor harassment. At The Law Offices of Susan S. Long, we will personally work with you to make sure creditors are acting within the law when trying to obtain any payment from you. If you believe you have been abused by a creditor, contact our Bergen County bankruptcy office today. We are always there to answer questions and provide support, whenever or wherever you need it.
Stop Creditor Harassment
Regardless of your situation, you deserve dignity and respect. That is why you need an experienced attorney who can advise you, so that you can recognize when a creditor is harassing you.
After a creditor makes their first contact with you, they must send you written notice within five days about the nature of your debt and to whom it is owed. The law gives you 30 days to respond. Collection agencies may try different tactics to get you to respond, but that is illegal. Creditors cannot harass you in order to get you to respond any earlier.
Abuse by creditors is illegal. Under the FDCPA, creditors are prohibited from:
- Calling you repeatedly and excessively, to the point where it is one call after another
- Calling you at unreasonable hours of the day (before 8 a.m. and after 9 p.m.)
- Threatening physical violence
- Using derogatory or obscene language when speaking with you, such as racial slurs
- Falsely claiming they will take legal action against you
- Making false representations (lying) to get information from you or about you
- Contacting other people, or your employer, about your debt
As your New Jersey creditor harassment attorney, Mrs. Long will advise you on your specific circumstance and how the law applies to you. She can explain whether the behavior you are experiencing is considered harassment under the Fair Debt Collection Practice Act. If a creditor has illegally harassed you, you may even be able to sue and collect damages.
Contact The Law Offices of Susan S. Long
While you may owe money, you should not have to put up with illegal harassment. You should not have to feel frightened. Take the first step and contact our office online for our Teaneck creditor harassment attorney or call 201-749-5418 for a free consultation. Evening and weekend hours are available by appointment.
