Creditor Abuse Attorney in Philadelphia

What does the law say?

As a member of the National Association of Consumer Advocates, I have successfully worked for years to protect individuals from creditor abuse and harassment. Unpredicted medical bills, the sudden loss of a job, mounting credit card bills and many other financial problems can lead to unpaid debts that are hard to overcome. Your difficult times do not give bill collectors the right harass or bully you. Michael P. Forbes, Esquire can aggressively take on collection agencies on your behalf.  In my office, neither you nor your debts are judged; I am simply here to help you find the best solution for your financial troubles. 

Fortunately, in 1997 the U.S. Congress passed the Fair Debt Collection Practices Act (FDCPA).  It is a law and it must be enforced if creditor abuse is to be stopped.  Per the FDCPA, it is illegal for bill collectors to:

• Use or threaten to use violence
• Use language that is obscene or profane
• Contact you on a repeated basis or call you before or after a reasonable time of the day
• Threaten lawsuits, garnishments, liens or arrests for an unpaid debt
• Call you at work when they have been told not to
• Claim you owe more money than you do
• Add unauthorized fees such as interest or other charges
• Call you without identifying themselves as bill collectors
• Keep calling you after they have been told that you are represented by an attorney

Turning the Table on Bill Collectors

The FDCPA provides for legal action to be taken against debt collectors when they violate your rights.  Mr. Forbes can explain this option to you and other actions that can be taken to stop the harassment.  In certain cases, debt collectors can be sued for damages.  They will have to pay you for their actions and they may be required to pay my fees as well. 

You should save copies of all letter and notice from collection agencies.  All phone messages and voice mails should be kept - this is very important to your case.  If you have a conversation with a collection agency, make detailed notes of the conversation.  It is vital that you know that there is something you can do about it.  

Contact a debt collector abuse lawyer in Philadelphia when actions by bill collectors have gone too far and need to be halted.