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Are you tired of having creditors and debt collectors constantly harass you about your debt? Fortunately, the government recognizes that unlawful debt collection practices should not go unpunished. In fact, there are federal and state laws in place to protect you from debt-harassment.
At Morgan & Morgan, we have a deep understanding of debt-harassment law and work tirelessly to protect your rights so you can put an end to illegal collection practices and focus on rebuilding your life. Fill out our free case evaluation form today.
When should you contact a Memphis debt-harassment attorney?
Debt-harassment should not be confused with lawful debt collection. Creditors and debt collectors have a right to try and collect borrowed funds. However, it is the manner in which they go about collecting debt that is subject to scrutiny. If a debt collecting agency engages in the following behavior in an attempt to collect debt from you, contact a skilled lawyer as soon as possible:
- Calls you before 8am or after 9pm.
- Contacts you at work when they know your employer does not approve.
- Harasses family members about your debt.
- Informs friends and coworkers about your debt.
- Contacts you after you notify the debt collector to stop contacting you.
- Attempts collection of invalid debt.
- Threatens you with jail time or a lawsuit.
- Uses profane language or threatens you with violence.
- Calls frequently (more than once a week).
These are only a few examples of actions considered unlawful under the Fair Debt Collection Practice Act (FDCPA). For more information about unlawful debt-harassment practices in Memphis, consult with an experienced lawyer.
Recover compensation for debt-harassment
If a debt collector violates your rights under the FDCPA, you have the right to file a civil lawsuit against them. Depending on your case and the experience of your Memphis debt harassment lawyers, you may be entitled to the following damages:
- Any damages you can prove you suffered because of the unlawful debt collection practices, such as lost wages and medical expenses.
- Up to $1,000 payment from the debt collector.
- Reimbursement for your attorney’s fees and court costs.
Under the FDCPA’s statute of limitations, you must file your claim within one year from the date of the debt harassment. If you fail to take action within this time, you will be unable to recover damages.
Contact experienced Memphis debt-harassment attorneys
Are debt-collectors adding more stress to your life? Federal law gives you the power to fight back. If you are a debt-harassment victim, contact Morgan & Morgan today and let our legal team protect your rights.