Fairfax Creditor Harassment Lawyer
Stop Harassing Calls & Letters from Your Creditors
Credit can be a useful tool that helps you get a house, a car, and other
necessities of life. Credit can also be devastating, however, when not
used wisely or when an unexpected emergency causes someone to fall into
an unmanageable amount of debt. One of the most stressful parts of being
in debt is the harassment from creditors.
Once a consumer falls behind on monthly payments, even by only one month,
creditors will start sending letters and eventually make phone calls reminding
the consumer that he or she has defaulted. These letters and calls can
escalate to harassment unless something is done to stop it.
Consumer Rights Under the FDCPA
Langone & Fasullo, PLLC can provide a Fairfax attorney to help you
stop creditor harassment. As a consumer, you have rights under the Fair
Debt Collection Practices Act. Your creditor may not:
- Cause your phone to ring endlessly
- Call you at inappropriate hours or locations
- Use an automated system to contact you on your cell phone
- Use profanity or threats
- Post your information on a blacklist
- Fail to state who they are and why they're calling
Debt Relief Options
There are multiple ways to stop creditor harassment. The first is to catch
up on your payments, which could be achieved by pursuing credit counseling
and establishing a budget. If it is not possible for you to catch up,
you can also send a written request to your creditors asking them stop
calling or sending letters. The law requires them to honor your request,
although you will still be required to repay the debt.
Some lenders may be amenable to debt negotiation or debt settlement.
Bankruptcy is another option to stop harassment. Filing for bankruptcy places an
automatic stay on all collection actions and will stop your creditors
from calling or sending letters. You will also be able to have eligible
debts discharged so that you can get a fresh start.
Find a Bankruptcy Attorney in Fairfax, VA
Langone & Fasullo, PLLC is experienced in all types of bankruptcy cases
and litigation. We can represent you as you deal with your creditors and
we can protect your consumer rights. You should not have to suffer from
the stress that comes with unfair creditor harassment. A
Fairfax bankruptcy lawyer from our firm can answer any questions that you have and can guide you
step by step through the bankruptcy process.
Attorney Joseph Langone is a member of the Northern Virginia Bankruptcy
Bar Association and will always put your best interests first. Our firm
is honest and will always provide you with all relevant information and
options before moving forward with your case. We can help you find relief
from your overwhelming debts.
Contact us today!