There are many reasons people fall behind on their bills, especially with today’s economy. Many families are suffering from a job loss or divorce which has affected their income considerably. Others have had unexpected medical bills that have devastated their finances, while some are just overwhelmed by too much credit card debt and household bills. If you are one of these individuals, you need the help of a Sacramento debt collection harassment attorney to help you if you are the victim of debt collection harassment. Although debt collectors certainly have the right to attempt to collect a debt, they do not have the right to harass or abuse a person regarding that debt.

If you think you have been abused, harassed, treated unfairly, deceived or threatened, you probably have been. Free initial review of your claim by a consumer law firm, and if you sue, you pay nothing:

• Have you been harassed by debt collectors?
• Are you getting constant phone calls and letters from a debt collector?
• Are you receiving those annoying and harassing AUTOMATED calls?
• Have you been threatened with lawsuits, wage garnishments?
• Is a debt collector reporting false information on your credit report?
• Have debt collectors insulted you, or used obscene language?
• Have they lied to you?
• Harassing you by phone or e-mail at all hours of the day?
• Threatening to take your personal property?
• Are creditors calling your neighbors or employer to discuss your debt?
• Using obscenity and threatening language?
• Creditors suggesting that nonpayment will result in arrest or imprisonment?
• Have they contacted your friends or relatives?
• Are they harassing you at work?
• Are they calling you at home at late hours?

Even though creditor harassment is illegal, debt collectors engage in it with disturbing frequency. Why? Because it usually works — a debtor who has been successfully intimidated and harassed is not likely to file a lawsuit. This behavior will only stop when debtors everywhere begin standing up for their rights and holding creditors accountable.

Stop the Harassment TODAY

At your consultation, we can discuss the automatic stay and other important aspects of the bankruptcy process. When you file for bankruptcy, an automatic stay is placed on further collection activity by most creditors, including credit card companies, medical bill collectors, and other collectors of consumer debt. Only child support obliges and other limited types of collectors may continue to contact you for collection of your debts.

As a result, you are freed from the constant stress and worry of collection calls, collection letters, threats of a home foreclosure, threats of wage garnishment, and other forms of creditor harassment that have been the source of considerable strain. The automatic stay gives us time to help you formulate a financial plan of attack to preserve your financial freedom.

Fair Debt Collection Practices Act

Congress has long recognized that consumers need protection from the ravages of abusive debt collectors. In 1978, Congress passed the Fair Debt Collection Practices Act (“FDCPA”), which prohibits collection agencies from using all forms of deceptive and abusive collection practices and applies to any personal, family and household debt, including credit cards, medical bills, first and second mortgages, and debts associated with the purchase of automobiles.

Sacramento Debt Collector Abuse Lawyers

At Bowman & Associates, we know that if you were able to pay your debt, you already would have. Your debt does not make you any less of a person and you should not have to suffer from constant harassment. If the debt collector’s actions are violating the law, not only will Bowman & Associates stop the harassment; you will also recover damages from the violators. Better yet, Congress forces the violators to pay your attorney fees.

The Debt Collection Harassment Attorneys of Bowman & Associates help clients across California from their offices in Sacramento and Folsom. If you or someone you know has legal questions, contact our experienced law firm to schedule a free consultation with one of our skilled bankruptcy lawyers.