Chico Creditor Harassment Attorney
You Have Rights as A Consumer. Fight Against Harassment!
When times are tough and you're dealing with a difficult financial situation, the last thing you need is to be hounded day and night by the organization that you owe money to or a collections agency hired by them. Creditors seeking payment may call you multiple times a day, leave messages requesting immediate payment or send letters mentioning possible legal action. Their actions can cause an already challenging situation to be even worse, and further distract you from the critical task of raising yourself out of debt. Despite their aggressive tactics, there are specific safeguards in place that provide you with protection and limit what they can do.
If you're being harassed by creditors, reach out online or call (888) 325-1181. Our creditor harassment lawyer in Chico at The Law Office of Nikki Farris is here to fight for your rights. Contact us today.
What is Prohibited by the FDCPA?
Regardless of how hard they try to convince you that you are stuck in a corner without any legal recourse, there are various rules and restrictions placed on creditors that regulate what they are able to do. One of the key legal elements that helps protect you against abusive tactics is the Fair Debt Collection Practices Act (FDCPA).
Several activities that they are prohibited from doing under the Act, including:
- Contacting someone outside of reasonable hours.
- Using threats of violence, or abusive language, against someone
- Repeatedly calling someone in an annoying and/or harassing manner
- Contacting a person who is known to be represented by an attorney
- Impersonating a law enforcement officer or legal representative in order to force someone to pay a debt
How to Stop Creditor Harassment
Below are some steps you can take to stop creditors from harassing you. If they persist, reach out to our experienced creditor harassment attorney to ensure you are never contacted again.
- Assume every call or communication is recorded. Despite how they treat you, keep a cool head and simply take in what they have to say. Simply tell them the truth and do not make any promises you cannot keep.
- Keep a record of all communications you receive from them.
- Document the collector’s name, call-back number, and the company they work for.
- Make notes on the interactions you have with the creditors.
- When a collector calls, they have 5 days to provide you with details on the debt. If they don’t provide this, you may request verification and they are required to stop collection activity until it is sent to you.
- Ask the creditor to stop contacting you or anyone else they may be reaching out to by sending a letter to cease and desist further communication.
If you send a letter, there may be two outcomes: the collector will confirm that they will stop contacting you or they will let you know that they will be sending the debt to an attorney to start legal proceedings. For counsel on your situation, do not hesitate to call our creditor harassment attorney in Chico at The Law Office of Nikki Farris.
Choose a Skilled Creditor Harassment Lawyer in Chico
If you are being harassed by creditors, contact The Law Office of Nikki Farris to discuss the circumstances of your situation and learn more about the various legal options available to you. If it benefits your situation, Chapter 7 or Chapter 13 bankruptcy may even work! We have successfully provided legal support to hundreds of Butte Country residents in order to give them breathing room from creditors, and are available to do the same for you. We are passionate about supporting those in the community who may be financially down on their luck and will work relentlessly to defend you against creditor harassment.
“Nikki Farris is very easy to talk to, professional and knowledgeable.” - Rachele T.
“Fast consultation and excellent service.” - Lucian R.
“Nikki was so kind, so compassionate.” - Kali H.