Sometimes Creditors become quite aggressive in their debt collection practices and continue to harass people after they have filed bankruptcy. In such cases it is always prudent to take the higher ground and offer to fax/email/mail a copy of your hearing notice to the creditor and this should stop the creditor from continually calling your home or office.
However, some creditors frankly don’t care and will continue to call you even though such behavior is illegal in the hope that you will pay by mistake. You do not have to put up with this harassment because these creditors are breaking the law.
Whether it be never ending phone calls, threatening letters, or being falsely accused of owing money, the Fair Debt Collection Practices Act (or “FDCPA”) protects consumers from abusive debt collectors. The FDCPA allows those consumers who have endured creditor harassment to sue the debt collector for up to $1,000.00 statutory damages, plus actual damages (e.g., mental anguish, phone charges, etc.), plus attorneys fees.
The best resource for finding out whether you have a valid case against a debt collector for violations of the FDCPA (or other consumer protection law) is a local consumer attorney. If you have been illegally harassed by abusive creditors, contact the Dunne Law Offices at (215) 854-6342 and speak with an attorney to determine whether you can sue the debt collector for statutory & actual damages for breaking the law.
Dunne Law Offices, P.C.
1500 JFK Blvd, Two Penn Center, Suite 200
Philadelphia, PA 19102