San Francisco Creditor Harassment Protection Lawyer
We all owe money to someone, whether in the form of a home mortgage, credit card debt, car loan, student loan or other loan. Those of us who have trouble paying it back on a regular schedule are almost always victims of bad luck, a divorce, an illness or other cause of our financial problems. Difficulty paying our debts does not make us bad people, and does not warrant abuse by debt collectors.
Debt collectors are those whose main business is attempting to collect debts for a merchant or other supplier of goods or services. Whatever their attitude toward debtors, and whether or not abusive practices are effective, debt collectors are subject to the federal Fair Debt Collection Practices Act.
The Fair Debt Collection Practices Act
If you owe money to someone, they have a right to sue you for it. The law provides for orderly and civil processes that respect the rights of both parties — debtor and creditor.
However, they cannot:
- Lie to you
- Threaten you
- Use profane language
- Call you at all hours of the night
- Call simply with the intent to harass you
- Or generally drag your name through the mud
If they do — sue. The law allows you to collect damages including actual damage, statutory damage, attorney fees and court costs. It is not necessary to prove actual damages, only that the debt collector engaged in prohibited conduct. California law provides additional protection from first-party lenders, aside from professional debt collectors. Contact an attorney who can help.
Bankruptcy Protection
If bankruptcy is right for you, filing either Chapter 7 bankruptcy or Chapter 13 bankruptcy stops all collection efforts, and creditors must deal only with your attorney.
Talk to a San Francisco creditor harassment protection attorney at The Epstein Group about your concern. Our goal is to provide our clients with high-quality and cost-effective legal services. Our main office is conveniently located on Market Street in the heart of San Francisco's Upper Market/Castro District.
Free Lawyer Consultation
Call 415-230-0781 or toll-free 888-336-4955 or complete the contact form on this website. There is no charge for your initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Member of National Association of Consumer Bankruptcy Attorneys
