Bankruptcy Riverside County - What to do About Abusive Creditors
The current state of the economy has left many creditors scrambling to get what they can from individuals who are in trouble financially. The credit crisis, coupled with failing job markets, has led to many typically responsible consumers being unable to pay their debts. Unfortunately, creditors often care less about your circumstances than they do about recovering debts in any way possible. This can lead to abusive situations wherein creditors are overzealous and step outside the bounds of the law in attempting to collect on a debt. In general, if your creditors have engaged in any of the following practices, there is a strong likelihood that they are guilty of abusive collection practices in violation of the Fair Debt Collections Practices Act, as well as the California Rosenthal Act.
· Calling very early in the morning - before 8 AM your local time
· Calling very late at night - after 9 PM your local time
· Calling excessively - several times a day or repeatedly in a short amount of time
· Calling your place of business, if your employer does not allow such calls
· Contacting 3rd parties about your debt for reasons other than to determine your contact information
· Continuing to contact you after you've hired an attorney with respect to your debts
· Using threats, harassment, or other abusive behavior to try to collect a debt
Additionally, if you've filed for bankruptcy and your creditors continue to try to collect on a debt you owe, you may be entitled to sue. In many instances, the fines for this type of abusive behavior may net you an award that is quite substantial. Our premier Riverside County Bankruptcy Law Firm has years of experience in dealing with abusive creditors. We understand how the laws protect you and what can be done to stop creditors' illegal collection practices. If you believe that debt collectors are attempting to collect debts in violation of the Fair Debt Collection Practices Act, please contact our offices right away. We can ensure that you are provided with the full protections offered under federal and state law. Stop abusive creditors, and exercise your rights to protection under the current bankruptcy laws.