If you are having trouble and fall behind in paying your debts, the debt collectors start calling. We have heard from clients that the calls come all times of the day and night, at home and at work. We have even heard of debt collectors calling extended family members! The good news is you have the right to be treated fairly, and King and King can help.
Federal law prohibits debt collectors from engaging in unfair, deceptive, or abusive practices. Filing bankruptcy in Georgia immediately stops all debt collection. Here are a few of the federal laws pertaining to debt collecting:
Debt collectors may contact you only between 8 a.m. and 9 p.m.
Debt collectors may not contact you at work if they know your employer disapproves. You may request to have them call you either before or after work.
Debt collectors may not harass, oppress, or abuse you.
Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.
Debt collectors must identify themselves to you on the phone.
Debt collectors must stop contacting you if you ask them to do so in writing.
It is also necessary to remember that if a creditor contacts you on a debt that was discharged through your bankruptcy, they are violating the law. If this is happening to you, you may have a cause of action against the debt collector. Call King and King and we can help determine what your next steps are.
Bankruptcy will stop the debt collectors from calling, and help you to get the fresh start you need to get back on track. Call King and King today for a free consultation at 404-524-6400 or visit us at www.kingandkingattorneys.com for more information.