Stopping Harassing Collection Calls
Have you received irritating and harassing phone calls from creditors who want to talk about your debt and past due bills?
Whether you lost your job, incurred medical expenses, or simply spent over your budget, having your payment delinquencies constantly thrown in your face doesn’t help the situation. There is good news, however. Georgia law and the Federal Debt Collection Practices Act (FDCPA) both provide substantial protection to consumers when it comes to the tactics of debt collectors. And more importantly, there are ways to eliminate your debt via the U.S. Bankruptcy Code. Our attorneys are experts in these areas, and we have helped thousands of Georgia consumers just like you.
Common Debts That Prompt Annoying Telephone Calls
- Past due balances on credit cards.
- Missed car lease or note payments.
- Outstanding medical bills.
- Delinquent loans.
What Bill Collectors Can and Cannot Do Over the Phone
- The State of Georgia limits when a collector can phone your house from 8:00 a.m. to 9:00 p.m.
- The FDCPA prevents collectors from talking to your neighbors, employer, or relatives about how much you owe, or about other confidential information, although they can call people to find out where you are.
- Bill collectors cannot threaten criminal prosecution or violence against you, and they cannot use false aliases or make threats.
- Debt collectors cannot collect more than what you owe, advertise to sell your debt, use obscene or profane language, call repeatedly for the purpose of harassing you, or call you at work if your employer does not allow you to make personal calls.
If you suspect that a bill collector has been violating these rules of conduct, please contact our experience fair debt collection attorneys at (800) 414-3328. We will help put an end to the abuse and explore whether you can take legal action against the company responsible.
Permanent Solutions for Eliminating Debt
Annoying debt collection calls are often a symptom of deeper financial problems. It’s difficult to know where to turn when you are facing overwhelming debt. By sitting down for a free consultation with one our Georgia debt relief attorneys, you can learn about options that include:
- Ways to consolidate your debts in one low monthly payment.
- Negotiating with lenders to make loan terms more feasible for you.
- Challenging the lenders’ right to collect from you at all.
- Filing for personal bankruptcy protection via Chapter 7 or Chapter 13 to put a stop to collection efforts and discharge or reorganize your debts.
Take the Next Steps to Get the Help You Need
Call Berry & Associates at (800) 414-3328 or email us at email@example.com to schedule a free, confidential consultation. We can assess your options and clearly explain what you can do to solve your financial problems. Our firm serves clients in across the Northern District of Georgia, including the cities of Dalton, Rome, Cartersville, Canton, and