Creditor Harassment
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Stop Bill Collector Calls
Under the terms of the Fair Debt Collections Practices Act (FDCPA), collection agencies are required to adhere to certain restrictions when trying to collect on consumer debt. If a collection agency violates the terms of the FDCPA, they face hefty fines or, if enough violations occur, lose their business license.
At the law office of Chang & Diamond, APC, our attorneys hold collection agencies financially accountable for the actions of employees who harass our clients in violation of the terms of the FDCPA. Once we get involved, we can stop creditor harassment and even file a lawsuit seeking financial compensation for our client. We can recover recorded calls, voice messages and call logs to expose violations and harassing behavior.
If you have been called repeatedly at home or work, threatened, or verbally abused by a collection agency, contact Chang & Diamond to stop creditor harassment and demand compensation for your troubles.
“It was great working with your team. You answered all my questions and went above and beyond to make sure I wasn’t in the dark about the whole process”—Angelica, San Diego
Violations of the Fair Debt Collections Practices Act
- Repeated calls at home throughout the day
- Calling you before 8 am or after 9 pm local time
- Calls at work, even though you’ve told them they can’t call you there
- Abusive language (such as swearing or racial/ethnic slurs)
- Threatening language
- Impersonating law enforcement or attorneys
- Disclosing terms of your debt to friends or relatives
- Innuendo about causing harm to your credit or your financial situation
- Informing you they know where you live, what your kids look like or other possibly threatening comments
Collecting a Debt vs. Debt Collection Agencies – What’s the Difference?
While they cannot verbally threaten you, they can call you at work (unless you expressly tell them to stop) and can repeatedly call you at home. However, once you involve an attorney or declare bankruptcy, they can no longer contact you directly.
Why it Can be Difficult to Stop Creditor Harassment Without an Attorney
Additionally, there may be employee incentive plans rewarding collection agents for recovering a certain level of payments. All of these factors can lead to poorly trained, inexperienced collection agents who resort to threats and harassment to collect on past due accounts.
