New Jersey Creditor Harassment Attorney

Defending Consumer Rights in New Jersey

Often times, when a person is indebted to a creditor, the creditor will decide to outsource collections to an aggressive collections agency whose primary aim is to get the debtor to pay back debts quickly. While trying to get debtors to pay the amounts they owe, collections agencies may become menacing or engage in inappropriate behaviors. In the past, reports of creditor harassment were very common and become an area of concern, which is why Congress passed the Fair Debt Collections Practices Act (FDCPA). A New Jersey debt settlement attorney at Liberty Credit Law, P.C. can represent you in court if you have been unlawfully harassed by a creditor. 

What Constitutes Creditor Harassment?

Under the FDCPA, collections agencies must follow strict protocol when contacting debtors or else they may be accused of engaging in illegal collections activities. Some examples of illegal collections activities and creditor harassment include:

• collections agencies using profanity when speaking with debtors
• collections agencies using false legal notices, documents or lawsuits to get debtors to pay
• collections agencies calling households outside of reasonable hours (8AM - 9PM)
• collections agencies speaking to members of the debtor's family about the debt that is owed
• collections agencies threatening to call members of the debtor's family, friends, co-workers or employers
• collections agencies issuing verbal threats, making menacing remarks or being verbally abusive
• collections agencies calling a debtor at his or her place of employment
• collections agencies calling over and over again, even when the debtor has requested that they stop making phone calls
• collections agencies telling the debtor he or she will go to jail if he/she does not pay his or her bills right away

When people have become victims of creditor harassment, they may feel like there is nothing that they can do, but that simply is not true. Anytime a person finds that he or she is being harassed by a creditor or collections agency, he or she should discuss the situation with a skilled lawyer who can put an end to the harassment.

If you would like to learn more about how you can help you regain financial security and avoid creditor harassment, contact a New Jersey Creditor Harassment Lawyer at our office!