Creditor Harassment

Protecting Yourself from Overzealous Creditors

Under the Fair Debt Collection Practices Act (FDCPA), you are supposed to be completely shielded from creditor harassment. However, if you have been living with debt for a while, then you probably know already that many creditors and collections companies do not respect the FDCPA and break the rules in pursuit of your money.

Stand up for yourself and set things right with Garrett Law LLC and our Topeka creditor harassment attorney. Using a variety of legal tools that may be available to you, it is our goal to end the harassment as soon as possible and also seek fair compensation on your behalf. If you have been emotionally abused by an overly aggressive creditor, then you deserve to be compensated for that injustice.

Contact our firm online or call (888) 253-4526 to learn more about your rights.

What is Creditor Harassment by Legal Definition?

The FDCPA discusses creditor harassment in good detail. The federal act covers a lot that creditors can do, and even more that they cannot. In general, though, a creditor is not allowed to harass and/or deceive you when trying to collect a debt from you, no matter the size of the debt and its validity.

Examples of creditor harassment:

  • Calling you late at night, repeatedly, or while you are at work
  • Swearing at you to be intimidating
  • Threatening you, your family, or your property
  • Giving information about your debt to the public or a noninvolved third party

Examples of creditor deception:

  • Not identifying themselves when they call you
  • Changing the amount that you owe
  • Claiming to be an attorney
  • Saying the police are going to arrest you for your debt
  • Lying about who owns the debt
  • Mentioning any sort of illegal activity as a threat

If any of these actions or behaviors have been used against you by a creditor, call (888) 253-4526 and let our Topeka creditor harassment lawyer right away. We can start looking for a way to immediately stop the harassment, such as using an automatic stay in combination with a bankruptcy filing under Chapter 7 or Chapter 13.

What Are My Rights Against Creditor Harassment?

A creditor may be harassed by a debt collector by a variety of means, such as persistent phone calls, threatening letters, or even physical acts. It's critical to understand that you have legal protections against unfair or abusive debt collection tactics, as well as rights as a consumer.

Continue Reading Read Less

Read Our Reviews

Real Stories From Clients Who Found Financial Freedom
    "Garrett Law is amazing!"
    Garrett Law is amazing! Very professional, kind and educated staff. Going into a bankruptcy is never easy for anyone. I had a very dear friend recently go through it, and used Garrett Law. It was very frustrating and the unknown for him was fearful. After his first visit with them, all of that was lifted off his shoulders. From the pleasant greeting at the receptionist desk, to the legal paperwork, everything was handled with great care. He was never once judged nor looked down upon. They are all truly there to make peoples life better, and they show you how! He is more responsible now, less stressed. It is sooooo great to see that my friend is back and happy! I know he will forever be grateful for all they have done for him and his future.
    - L.R
    "A delight to work with!"
    The group in this office were a delight to work with. If I had a question and called the office which ever one of the group answered the phone they were always answered my question and believe when you are a Senior you have a lot of dump question. I have never worked with a nicer group of people
    - D.C.
    "Very calm, informed and easy to understand"
    I simply had a question regarding an investment property I had and what would be my best solution to a problem as it was becoming more and more of a financial burden. Shannon answered my questions and pointed me in a better suited direction. Very calm, informed and easy to understand. He did not try to get me to agree to services I didn't need rather helped how he could and offered his assistance should I need it in the future.
    - D.H
    "We are now on our way to being home owners slowly but surely!"
    I am very fortunate to have met Mr.Garrett, three years ago I felt so hopeless every time I thought about all the medical bills I owed & how this would affect my future.
    - J.W.
    "Highly recommend them!!"
    Absolutely enjoyed working with Garrett Law, him and his staff were wonderful through the process and very knowledgeable.
    - B.H.
    "Goes above and beyond to provide great value for clients"
    Shannon Garrett is my go to referral for Bankruptcy Cases in Topeka. He really goes above and beyond to provide great value for clients. Anyone who chooses Shannon to represent them has made a great choice.
    - J.J
    "I was treated with dignity and respect and it really helped me to learn to hold my head up high."
    Shannon and his staff made something that is extremely stressful, much less stressful. I was treated with dignity and respect and it really helped me to learn to hold my head up high. Thank you, Shannon and staff for helping me get back on the road to financial independence.
    - R. F.
    "We had a wonderful experience with Garrett Law!"
    We had a wonderful experience with Garrett Law! Definitely would recommend. Mr Garret and his staff are very knowledgeable and caring definitely make the process easy and painless! Highly recommend
    - B.H.