Under the Fair Debt Collection Practices Act (FDCPA), consumers are provided certain protections from creditors who engage in harassment as a collections tactic. Despite the legal protections put in place, harassment is an unfortunately common practice and if it is something you are going through, you are not alone. The Consumer Financial Protection Bureau (CFPB) reported receiving more than 85,000 complaints relating to debt collection in 2015 alone. Ending creditor harassment is within your power and below are several ways an attorney may be able to help.
Benefits of hiring an attorney Include:
It is vital to keep consistent and accurate records of all correspondence with creditors and their representatives. It is recommended to create a file containing, but not limited to, letters, emails, documents you send the creditor, documents sent to you, and phone records. Write down and record the time and date of all phone calls and also a description of what was discussed. Accurate records can greatly help you in future discussions and negotiations with creditors as well as in situations where your dispute goes to court.
More Than 45 Years of Combined Experience:
At the Pritchard Law Firm, we have an in-depth knowledge of consumer law, allowing us to make your consumer collections and bankruptcy processes as stress-free and straight forward as possible. It is our goal to help our clients solve their financial matters in the most cost-effective manner possible. Let our Fort Worth bankruptcy lawyers help you get back on the path of financial freedom.