An Attorney Offering Responsive And Personalized Legal Support To Protect You From Creditors
It can be difficult to focus on a financial plan when it feels like creditors and debt collectors are hounding you every waking moment. Luckily, the law offers debtors protection against aggressive debt collectors. When you contact the Law Offices of Danny K. Agai, an experienced bankruptcy lawyer will guide you every step of the way, protecting you from creditors through the Fair Debt Collection Practices Act while helping you work on a debt relief or bankruptcy plan. You can expect a response to any question within 24 hours, and you will also learn valuable tips for maintaining long-term financial success after resolving your debts.
Mr. Agai and his team won’t let creditors threaten or overwhelm you when you are working hard on settling your finances. Call 818-867-3697 to schedule your free consultation with a bankruptcy firm serving clients in North Hollywood and throughout the Los Angeles area.
Know Your Rights Under The Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) is a federal law that restricts the ways collectors can contact debtors, as well as the time of day and number of times that contact can be made. If a collector violates the FDCPA, the debtor can sue the debt collection company as well as the individual debt collector for damages and attorney fees. Note that this law applies to third-party debt collectors, not those looking to collect personal debts.
Some examples of debts the law governs are credit card debt, medical bills, student loans, mortgages and other household debts. The FDCPA establishes several protections for debtors, including:
- Specifying certain times that debt collectors can contact debtors (not before 8 AM or after 9 PM) unless they have explicitly agreed otherwise
- Requiring debt collectors to stop calling a debtor’s place of employment if the debtor tells a collector, verbally or in writing, to stop calling
- Prohibiting collectors from calling a debtor’s home phones if the debtor has requested so in a letter sent to the debt collector
- Prohibiting threats of bodily harm or arrest, including lying or using profane or obscene language
- Prohibiting collectors from threatening to sue a debtor unless they truly intend to go to court
Attorney Agai can help you file a formal complaint of creditor harassment or pursue other legal alternatives to give you space from creditors and debt collectors. He will protect your rights and mental well-being as you work out your next steps to resolve your debt.
How To Stop Creditor Harassment
There are many ways a creditor may take action for your debts. Legal options include filing a lawsuit or garnishing wages, though even garnishments may be stopped with the filing of a Chapter 7 bankruptcy. Debt collectors may also contact your employer and other related individuals for certain information about you, though this behavior must not be excessive to the point of harassment.
While creditors may sue you for past-due payments, they cannot, under law, harass or threaten you. This includes making repeated calls over a short period to annoy you, threatening your boss or family members, calling you late at night or early in the morning, sending threatening letters, and more.
In many cases, debtors may limit contact with their creditors and have their lawyer take the reins. An attorney can act as the liaison between debtors and debt collectors, maintaining a formal boundary between you and making sure creditors do not violate the law. If a creditor or debt collector has violated the law, you have every right to report a complaint with the Attorney General or to the Federal Trade Commission, which is responsible for enforcing the Fair Debt Collection Practices Act.
Discuss Your Legal Options For Free With An Experienced Bankruptcy Attorney
With an office in Valley Village, California, the Law Offices of Danny K. Agai serves clients throughout the Los Angeles area. The firm offers free initial consultations so that you can explore your legal options without cost or obligation. To get started, contact the firm online or call 818-867-3697. Se habla español.
This firm is a debt relief agency. Attorney Danny Agai helps people file for relief under the Bankruptcy Code.