Creditor Laws in a Riverside Bankruptcy Case

When creditors try to collect on a debt that you own in Riverside County, they must follow the Fair Debt Collections Act, as well as the California Rosenthal Act. This prohibits the abusive tactics that many creditors use when attempting to collect on debts that are owed. Acts such as repeated calls to harass a debtor, calls to the debtor’s workplace when the employer does not allow or approve such calls, calls that occur very early in the morning or late at night, and using threats, derogatory language, or other abusive practices are all violations of the law.

Additionally, once a debtor has filed for a Riverside County Bankruptcy and an automatic stay is put into place, any contact with regards to attempting to collect a debt once the creditor is aware of the automatic stay is against the law. In these instances, your Riverside County Bankruptcy Attorney may be able to sue on your behalf and recover damages that you are owed. In some cases, you may even recover more than you owe in your bankruptcy suit, allowing you to pay off other creditors and eliminate the need to file bankruptcy entirely.

Because the laws are very specific regarding what a creditor can and cannot do in terms of collecting a debt, you should consult with an expert in Riverside County Bankruptcy Law to ensure that your creditors are following all the rules set forth by the federal and state government. If you are a victim of unfair debt collection practices, our team of highly skilled, experienced Riverside County Bankruptcy Attorneys will work with you to ensure that your creditors are charged with violating your rights.

Many people don’t realize that when it comes to debt collection, they don’t have to put up with the abuse. Feelings of guilt may lead a debtor to put up with harassment from creditors without realizing that he or she is being victimized and that his or her creditors are breaking the law. Fortunately, there are steps that a reputable Riverside County Bankruptcy Lawyer can take on your behalf in order to eliminate the harassment and recover damages. Contact us today to discuss your case, and let us help you to put a stop to unfair debt collection practices right away.