Harassing credit calls can have a serious impact on your life. If you find that you are afraid to answer the phone at home and at work, it may be time to file for bankruptcy. Bankruptcy provides individuals with some protection from unfair debt collection practices.
At our law firm, Sulaiman Law Group, LTD, we help our clients through one of the most difficult times in their lives. Financial stress is extremely burdensome, and we do everything within the confines of the law to assist in alleviating that burden for our clients. We assist clients in debt relief, whether they need help with bankruptcy, loan modification or foreclosure. We are here for our clients. We are located in Oak Brook, Illinois, and serve clients throughout Chicago and the surrounding areas.
Contact our debt relief lawyers by calling us at 630-413-9054.
Fair Debt Collection Practices Act Information
If you file for bankruptcy, under the law you cannot be harassed by creditors. If you are being harassed by debt collectors or creditors, you can recover once per violation. In our experience, these violations occur regularly. Our attorneys will go after these violations for our clients and work to recover punitive damages for highly excessive and abusive calls.
In any of these calls that violate fair debt practices, there can be a number of violations, including:
- Improper phone calls
- Misrepresentations (lies)
- Profanity
- Racial slurs
- Threatening language
Typical Cases We Handle
To make this concept more tangible, let's refer to the example of Blake and Crystal,* a couple who is experiencing financial problems. Blake has had medical issues and accrued substantial credit card debt to cover his out-of-pocket expenses for medical procedures. The debt was sold to a collection agency and now Blake and Crystal are receiving harassing calls from creditors day and night. To address their debt Blake and Crystal filed for bankruptcy, which protects them from harassing calls. If they receive harassing calls, our law firm will be able to address these violations and will work toward obtaining one recovery per incident.
Set Yourself Up for Success
In these cases, it is best to notify your creditors that you have retained an attorney. By doing this, you set yourself up for claiming on improper phone calls. Additionally, it is best to record these phone calls to ensure that you have the exact language that is used. It is far stronger than direct testimony. Our attorneys will assist our clients in procuring the best possible results for these cases.
Contact Our Debt Relief Lawyers Today
Our attorneys use a variety of different legal tools and techniques to provide the best services for our clients. Contact us online or by calling us at 630-413-9054.
*Blake and Crystal are fictitious characters created for the purposes of explaining and illustrating various bankruptcy situations.
