Can Debt Collectors Harass Me After Bankruptcy?

Debt collectors CANNOT harass you after bankruptcy. After your bankruptcy case has been discharged, debt collectors are strictly prohibited from pursuing your debt, especially through any form of harassment. This essential safeguard for consumers is anchored in a specific federal statute known as the Fair Debt Collection Practices Act, serving as a effective defense against any post-bankruptcy creditor harassment.

Are debt collectors continuing to harass you after your bankruptch has been finalized? Contact Law Office of Michael P. Forbes, PC online or call (610) 991-3321 to speak with an attorney.

What Does the FDCPA Do?

The Fair Debt Collection Practices Act (FDCPA) was enacted as a response to concerns about intrusive debt collection tactics. It was established by Congress in 1978 with the goal of developing comprehensive guidelines governing debt collectors' interactions with consumers. The goal of the FDCPA is to prevent the spread of exploitative, deceptive, and inequitable debt collection strategies, establishing an atmosphere in which customers receive fair treatment from debt collection firms.

Some of key provisions of the FDCPA include:

• Debt collectors cannot engage in harassment, false or misleading representations, and unfair practices. This includes making excessive phone calls, using threats or intimidation, misrepresenting the debt amount, and more.
• Debt collectors are required to provide consumers with accurate and timely information about the debt, including its origin and the amount owed. Consumers have the right to dispute the debt and request verification within a specified timeframe.
• Debt collectors are restricted from contacting consumers at inconvenient times or places, such as early in the morning or late at night.
• Consumers have the right to request cease and desist from debt collectors
  Consumers with the right to take legal action against debt collectors who violate its provisions. Remedies may include damages, attorney's fees, and other relief.

Overall, the FDCPA plays a crucial role in safeguarding consumers from abusive debt collection practices and promoting transparency and fairness in debt collection. It empowers individuals to assert their rights and seek recourse if they experience harassment or unfair treatment from debt collectors.

Work With A Skilled Attorney

People who have been in bankruptcy are ripe for being harassed by creditors. Creditors are not permitted to harass a consumer once they have filed for bankruptcy, yet this does not stop unscrupulous collection agencies and creditors from continuing to attempt to collect a discharged debt. As the creditor was listed or included in the bankruptcy filing, the debt should have been dismissed and cannot legally be collected upon any longer.

If you find you are receiving calls or threatening letters from a collection agency for a discharged debt, contact a Philadelphia debt collector harassment lawyer right away. My name is Attorney Michael Forbes and I have over 25 years of experience helping clients who are treated unfairly by creditors. I will aggressively protect your rights and demand they stop the harassment immediately.

How Does Bankruptcy Protect Me?

The purpose of bankruptcy is to protect those who are overwhelmed by debt and can no longer meet their obligations. There are very strict regulations in bankruptcy laws that prohibit creditors from pursuing debt that was included in a bankruptcy filing. Nevertheless, many times debt is sold to a third party who either doesn't bother to check on the matter or doesn't care if your debt has been eliminated. They will continue to harass you if they think they may be able to use scare tactics in collecting even a portion of the debt. Know your rights; I can help you determine what steps to take have this injustice stopped.

How We Can Help

My office will investigate the agency violating your rights and will file a lawsuit or complaint against them. I can help stop the calls and possibly even collect compensation for their violations. Call me today to find out how I can help with your creditor abuse situation.