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.
