The Fair Debt Collection Practices Act (FDCPA) is a law that outlines what creditors can and cannot do in terms of collection actions. While most creditors follow the rules, many others violate the law in their attempts to collect. Thankfully, the FDCPA also allows debtors to take action against creditors that violate the law. With the help of an experienced attorney, you can file a lawsuit against a creditor to make them stop and to get compensation.
I am Joel L. Gross, a bankruptcy lawyer with more than a decade of experience helping people in Clermont and throughout central Florida sue debt collectors and stop creditor harassment. If you believe that a creditor has overstepped the bounds, I can help you fight back.
There are many ways that creditors may violate the FDCPA. The law states that creditors can only call between eight in the morning and nine in the evening. Any calls before or after are in violation of the law. They cannot call you at work after you request them not to, and they cannot speak to co-workers, friends or family members about the money you owe. Furthermore, creditors are not allowed to call repeatedly, and they are not allowed to use profane or abusive language. Creditors cannot threaten to send you to jail when there is no basis for them to do so. If you are represented by an attorney, creditors must not call.
If you believe that a creditor has violated the FDCPA, I encourage you to make detailed notes about the violation, including the time and date of each occurrence. That information will be very valuable when I file a lawsuit against the creditor on your behalf, because you may be able to collect money for every single violation that was committed against you.
Filing Chapter 7 or Chapter 13 bankruptcy will put an immediate stop to a wage garnishment. While your creditor can keep any amounts it already garnished, no future deductions can be taken from your paycheck.
If your bank account is garnished you need to speak to an experienced bankruptcy attorney quickly.
To schedule a no-cost and no-obligation consultation, call 352-536-6288 or send an email. Evening and weekend appointments are offered for those who cannot meet during business hours. Spanish-speaking service is available.
The Law Office of Joel L. Gross is a debt relief agency that helps people file for bankruptcy relief under the Bankruptcy Code.