LongIsland Creditor Harassment Attorney
Are you struggling with creditor abuse and harassment?
At the Law Offices of Scupp & Berman, we know just how aggressive and out-of-control some creditors can be. Due to our experience in this area of law, we know how to combat even the worst types of creditor abuse. It is important to remember that there are laws in place that outline different areas of abuse and the different actions that are considered illegal. The following are different types of behavior that are considered to be abusive or harassment:
- Calling a debtor numerous times a day;
- Calling unreasonably early or late in the evening;
- Harassing a debtor at their workplace;
- Discussing / disclosing financial information to third parties;
- Publishing a debtor's personal financial information;
- Humiliating debtors or making offensive or crude comments;
- Threaten debtors or using deceptive means;
- Continuing to call, even if aware debtor is working to file for bankruptcy
Of all the negative effects of having unpaid debts - such as anxiety, sleepless nights and depression - creditor abuse is arguably the worst of all. Over the years, creditors have become incredibly harsh and aggressive and will stop at nothing to collect the debt that is owed to them, even if it means harassing and abusing the debtor. We cannot tell you how many clients have come to us complaining of the constant abuse and harassment they experience every day from creditors looking to get paid.
About the Fair Debt Collection Practices Act
Fortunately, there are laws in place that protect creditors from abuse and harassment. The Fair Debt Collection Practices Act protects consumers from aggressive debt collectors or collections agencies who engage in abusive, rude or deceptive behavior to obtain the money that is owed to them. Under this act, creditors are prohibited from engaging in behavior that is abusive, threatening, or deceitful towards a debtor. Any creditor who violates the rules of this act will be subjected to legal ramifications. In addition, as soon as a debtor files for bankruptcy, all credit collection efforts must cease. Creditors who continue to harass or contact a debtor can be sued for violating federal credit collection laws.
Fighting Creditor Abuse in Suffolk and Nassau Counties
There are options available to a debtor that can be employed to get creditor harassment to stop. One of those options is a cease-and-desist letter, which mandates that a creditor can no longer call or send letters regarding a debt. The downside to this option is that it often accelerates the timeline for a creditor taking legal action, as they now have no other recourse for being paid on the debt they are owed. Another option, which is more effective than a cease-and-desist letter, is the automatic stay.
An automatic stay goes into effect when one files for bankruptcy and once that occurs a creditor must s top harassing you immediately. Though the prospect of bankruptcy can be unpalatable to some, it is often the best course of action for discharging one's debt and doing away with harassment from creditors. If you are dealing with creditor harassment due to unpaid debts, it is highly advised you contact a
Long Island bankruptcy attorney, who can provide you with advice in regards to your financial situation and assist you should you decide to file for bankruptcy.
Contact a Long Island creditor harassment attorney today!
People who are inundated with debt are already stressed out enough. Many of these people are hardworking individuals who do not deserve to be harassed, abused, and hounded by abusive creditors on a daily basis. At the Law Offices of Scupp & Berman, we have no tolerance for abusive creditors. With over two decades of experience in bankruptcy law, we have seen the worst cases of creditor abuse, and know how to help our clients prevent abuse and harassment from continuing to occur.
At our firm, we will confront your creditors head on and do everything in our power to stop them from harassing you. If we file a bankruptcy petition on your behalf, and your creditors continue to harass you, we will not hesitate to take legal action against them. We are here to protect your best interest and do whatever it takes to get these abusive creditors off your back.
Are you struggling with creditor abuse? Don't leave your future up to the whims of chance! Contact a Long Island creditor harassment lawyer from our firm to learn how to fight for your best interests.