Hiring A Creditor Harassment Attorney In Miami To Stop The Constant Hassles
Unlike the FDCPA (Fair Debt Collections Practices Act), debt collection companies cannot engage in harassing, abusive, or threatening behavior while attempting to collect debt. It means collection agencies have no right to call repeatedly at your work or home, send intimidating letters, or use profanity when talking to you over the phone. However, FDCPA only applies to third-party collection firms, who are under contract with medical service providers, retailers and banks. Resultant, the FDCPA doesn't cater to in-house collection domains of banks, credit card companies, retailers, car dealerships, hospitals, or other businesses. While in-house collection segments cannot pose as police officers or make threats for collecting unpaid debt, they still call you repeatedly and send stern letters. You need a Creditor Harassment Attorney in Miami to help you.
The basics
The law forbids collection agencies to call and harass you. They still report infrequent and delinquent payments to Trans Union, Experian and Equifax, damaging your credit score. If a third-party debt collector or creditor harasses you, you should remember that you've rights under Federal Law. Many consumers in the city of Miami face threats and harassment from credit collection agencies for debts they don't owe. If you do own legitimate debt, for which a creditor contacts you, the debt collector or creditor don't have the right to harass you for recouping a debt. A Creditor Harassment Attorney in Miami can guide you to thwart such tactics.
Filing for bankruptcy
An experienced Creditor Harassment Attorney in Miami can help with your case by channelizing the bankruptcy laws. The automatic stay shields the debt collection attempts from creditors. If a creditor continues to harass you despite filing Chapter 7 and Chapter 13 bankruptcy, you need to know that the U.S. Bankruptcy Code doesn't permit any such action from credit collection companies. The automatic stay prohibits these debt collection practices. Specifically, the Bankruptcy code in U.S. clarifies that filing a bankruptcy petition works as a stay order on an act to obtain, assess, or recover a claim against the concerned debtor.
The prohibitions
Whether you're planning to file for bankruptcy or thinking of paying off your debts sans any Chapter 7 or Chapter 13 inference, the FDCPA prohibits debt collectors and creditors from harassing you. Concisely, even if you owe a large amount of debts that you don't make payments on, it's still legal to harass you. A Creditor Harassment Attorney in Miami can give you the required legal cover.
The prominent examples
A creditor may repeatedly call you to harass or annoy you. They may call very early in the morning or late at night. Creditors may call you at your office despite all requests to stop. They also use obscene and foul language on the phone, and threaten to use violence or harm you. They also threaten to force the police to arrest you for not paying debt. On many occasions, creditors threaten to publish a public list, featuring your name and details as a delinquent debtor or defaulter. They also call you and refuse to give identifying information. With proper legal resources and bankruptcy protection, you can thwart their attempts. For more information visit here: Arcia Law Firm