Falling behind on payments is scary enough, but when creditors and collections agencies are calling you at all hours demanding that you pay immediately or they will seize the money straight from your bank accounts, that can be downright terrifying.
Under South Carolina law, creditors have a right to pursue the debts you owe them, but the Fair Debt Collection Practices Act limits the methods that collectors can use. Creditors do not have a right to abuse or harass you.
What qualifies as creditor harassment?
- Calls at unreasonable times (before 8 a.m. or after 9 p.m.)
- Creditors contacting you at your workplace if you have asked them not to
- Continued calls if you send a letter within 30 days stating you do not owe money (assuming you really do not owe money)
- Demanding you pay someone else’s debts
- Abusive language
- Threats directed at you or your loved ones
- Excessive phone calls
- Falsely accusing you of committing a crime
- Pretending they work for a credit bureau or attorney when they do not
- Sending you fake “official” government documentations or claiming they represent a government body
- Threatening to seize your property or garnish your wages if they do not have the legal right
How We Can Protect Your Rights, Property, and Sanity
- Abusive phone calls and letters like these can take a massive psychological toll on you and your family. They can also cost you a great deal of money if you cave into the abuse and the threats and pay more than you owe or can afford.
- Not sure if a creditor has been harassing you according to definitions supplied by Section 37-5-108 of the South Carolina Consumer Protection Code or the federal Fair Debt Collection Practices Act (FDCPA)? We will inform you of your rights and inform you if you have a case. We can also establish if you have been harassed according to the laws set forth by the Telephone Consumer Protection Act (TCPA).
- You have the right to sue if a debt collector violates consumer protection laws. We will prepare your case for court and vigorously defend your rights.
- We can even help you to recover money for financial and emotional damages as well as the costs associated with your court case.
Creditors have a right to bill you for money you owe them, but nobody has a right to harass you or your family. If you know or suspect you are the victim of harassment, contact us. Fill out the form below and we will schedule you for a FREE consultation. The aggressive, abusive phone calls will cease, and you will have a chance to reclaim damages you have suffered while under duress. Get back to living a life where you can breathe—where you can pick up the phone or check your mailbox without fear!
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