Stop illegal creditor harassment

A creditor has the right to collect its debts. They don't, however, have the right to use deceptive or unfair means to collect the debts.

2013-03-22

March 22, 2013 (Press-News.org) Stop illegal creditor harassment

Article provided by Roger A. Kraft, Attorney at Law, P.C.
Visit us at http://www.rogerkraftlaw.com/

A creditor has the right to collect its debts. They don't, however, have the right to use deceptive or unfair means to collect the debts. Debt collection practices are regulated by the Fair Debt Collection Practices Act, or FDCPA. The FDCPA identifies the ethical guidelines that creditors must follow in its debt collection efforts.

Illegal debt collection practices

Generally, the FDCPA prohibits lenders or collection agencies from using "any false, deceptive, or misleading representation or means in connection with the collection of any debt." The FDCPA specifically prohibits debt collectors from:
-Asking a debtor to pay interest or fees. The debt collector cannot add fees that are not contemplated in the loan or credit agreement.
-Calling repeatedly or continuously. Calling incessantly is creditor harassment.
-Using obscene or abusive language. Swearing at a debtor or using profanities is creditor harassment.
-Calling at obviously inconvenient times. These times are after 9:00 p.m. and before 8:00 a.m.
-Threatening to use violence. Debt collectors cannot threaten violence as a means to collect the debt.
-Threatening to sue or take an action against the debtor that the collector cannot legally take or does not intend to take.
-Failing or refusing to identify themselves as a debt collector. Debt collectors must identify who they are when they call you.
-Identifying themselves as an attorney. A debt collector cannot say they are an attorney, or affiliated with an attorney or law firm, if they are not.
-Contacting you after you have hired an attorney. Once you have notified debt collectors that you have hired an attorney, they must cease contacting you directly.

Stopping creditor harassment

If your creditors have used any of the illegal practices identified above, or continue to contact you after they have been notified that you have an attorney, the illegal practices need to be reported, and a federal lawsuit can be commenced.

If your creditors have not used illegal practices, but you have reached your limit with the phone calls and letters, it may be time to consider bankruptcy. Both Chapter 7 and Chapter 13 bankruptcy will put an immediate stop to creditor harassment. Once you hire a bankruptcy attorney all communication with your creditors will be between your creditors and your attorney.

Victims of illegal debt collection practices, and those who want all debt collection efforts to cease, should contact an experienced bankruptcy attorney. A bankruptcy lawyer knows how to deal with creditors and can help you achieve the financial freedom you deserve. Your attorney will explain the different bankruptcy options and identify the best way for you to get out from under debt.

ELSE PRESS RELEASES FROM THIS DATE:

Leftview Productions Announces World Water Day Promotion of the Dog Book: "Me 'n Jess and an Irish Fisherman" Paperback and Ebook Editions

2013-03-22

It's about a dog. It's about love. It's about water. Raising money for water that is. World Water Day is upon us this week and author Patricia White is using her book "Me 'n Jess and an Irish Fisherman" to raise funds to help supply water to the mountain areas of Kenya and Ghana. Working with Rachael Paulson of HOW Global who already has done wonderful work in some of the difficult mountain areas of Africa, White wants to help. White wrote the book in 2001, and was in the process of finding a publisher when a movie project interrupted her. The book, which ...

Major Buyers and Suppliers of Corporate Travel and Meetings Products to Gather at Global Business Travel Association China Conference 2013

2013-03-22

Global corporations have been spending more and more on corporate travel in China over the last decade. Global Business Travel Association (GBTA), the world's premier business travel and corporate meetings organization, predicts that $245 billion will be spent on corporate travel in China in 2013 and that the country's corporate travel spending may surpass that of the US by 2014. With such high stakes in mind, some of the world's biggest spenders on business travel and corporate meetings will gather with leading travel and meetings industry suppliers next April 15-17 for ...

Lycee Français and CODOFIL Renew Partnership for 2013-14

2013-03-22

The Council for the Development of French in Louisiana (CODOFIL) will partner with Lycee Français de la Nouvelle-Orleans to recruit teachers certified in the French national curriculum and serve as visa sponsor for the 2013-14 school year, the state agency and school announced today. CODOFIL communicates that it is pleased with the school's progress in implementing focused processes that will lead to the hiring of a permanent school leader and recruiting new members for its Board of Directors. Based upon these actions, CODOFIL has agreed to continue its relationship with ...

Grandstream Networks GXP2200 Recognized in Best VoIP CPE Category at 2013 ITSPA Awards

2013-03-22

Grandstream Networks, the leading manufacturer of IP voice/video telephony and video surveillance solutions, today announced that the GXP2200 Enterprise Application Phone for Android received the "Highly Commended" award in the "Best VoIP CPE" category from the Internet Telephony Service Providers Association (ITSPA) awards ceremony, held last week at the House of Commons in London. The 2013 ITSPA Awards, now in its fifth year, celebrates excellence across the VoIP and Unified Communications industry in the UK and is open to providers of hardware and ...

Fembodyverse: An Inner-Stellar Adventure into Womanhood: A New Superheroine Who Illuminates Inside-Out Value for Women and Girls

2013-03-22

Introducing a new inner-stellar superheroine to the world! Author, Michele Elizabeth, wows readers with the playful and powerful adventure of Fembodyverse: An Inner-Stellar Adventure into Womanhood. The book is now available through her website: http://www.micheleelizabeth.com or http://www.fembodyverse.com or on Kindle, iBooks & Nook, as well as orderable in bookstores. Fembodyverse's summary... Seventeen-year-old Estelle has one wish—to feel like a woman. She believes by losing her virginity she will receive this magical feeling. Not only does this modern induction ...

Southern Calif Critics Sing Praises of L'Opera at Recent Awards

2013-03-22

In the most prestigious night of the year for restaurants throughout Southern California, L'Opera Ristorante, venerable Long Beach Italian dining establishment for 2 decades, was presented with the highly coveted 5 Star Award and the Golden Bacchus Award for its unparalleled wine list by the Southern California Restaurant Writers. This is the second year in a row that L'Opera nabbed those 2 highest honors and this year only 1 other restaurant did the same. Also, Tina Withrow, who has been on L'Opera's wait staff for 23 years, was named Server of the Year. Alegria, the Spanish ...

Keith Lyle Getting His Act Together to Bring Laughs to Those That Are Serving

2013-03-22

Keith Lyle, best known as the snarky 21 dealer in the hit movie "The Hangover" continues to establish himself in the world of stand up comedy as one of the "up and comers" to watch. He spent most of 2012 touring comedy clubs in the United States as well as acting in a few commercials and TV shows. Adding to his busy schedule, in July he went on his first trip overseas, telling jokes to the hard working heroes of the armed forces. It was a week long comedy tour of the bases throughout Kuwait. This year, Lyle already has two joke telling trips for the ...

G10 Global Product Update

2013-03-22

G10 Global, a company focused on promotions and marketing, has issued a product update to support their 2013 expansion plans. Promoting their clients services and handling product launches since 2006, G10 Global have focussed mainly on the health and beauty sector. Currently the team represent a cosmetic range and hair salon chain who offer a hair, makeup and celebrity photo-shoot day out. However, the team recently diversified and have broken into the extreme sports arena. Now at events around Glasgow you can find G10 Global promoting opportunities to drive your ...

Bio-Synthesis Will Spotlight the New BNA Technology at AACR

2013-03-22

The annual meeting for the American Associate of Cancer Research will be held April 6-10th in Washington DC. As always, the meeting will be a platform for new ideas, research, and technologies. One of those new technologies has already been creating quite a buzz. Bio-Synthesis, Inc., an AACR exhibitor for over 18 years, has acquired a license for the manufacturing and distribution of BNA-NC, a third generation of Bridged Nucleic Acid (BNA) oligonucleotides. Representatives and scientific staff will be onsite to bring the new possibilities directily to the researchers. BNA ...

Citybuzz Marketing Expand Events Division

2013-03-22

Citybuzz Marketing is making strategic moves to expand its portfolio—the company announced this week that is has new plans to expand its events division. The plans enhance the company's business in the event sector and affords Citybuzz Marketing larger access to on-demand communities, marketing services, research. "I had been looking at the event business of Citybuzz and thought that it was under marketed and underdeveloped," says Lawrence Randall, CEO of Citybuzz Marketing. "We started looking into ways to expand." Citybuzz Marketing have events ...

LAST 30 PRESS RELEASES:

WPIA: Accelerating DNN warm-up in web browsers by precompiling WebGL programs

First evidence of olaparib maintenance therapy in patients with newly diagnosed homologous recombination deficient positive/BRCA wild-type ovarian cancer: real-world multicenter study