Charlottesville, Virginia Bankruptcy Firm Helps You Stop Creditor Harassment
Asserting your rights under the law
At the Miller Law Group, P.C., we know that our Charlottesville clients find the seemingly unending phone calls and notices from creditors or collection agencies deeply upsetting. We also know that some debt collectors violate the law when contacting debtors. We have significant experience protecting our clients in Albemarle County and surrounding counties against debt collectors who violate the Fair Debt Collection Practices Act. We can put an end to creditor harassment so that you are free to focus on resolving your financial matters.
Your rights under the Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act protects debtors from harassment by debt collectors. The law makes it illegal to harass, abuse, or mislead you and limits the ability of debt collectors to contact you at certain times or places. In addition, it gives you as a debtor the right to sue the violating debt collector for damages or for an injunction to stop the harassing activity. The act applies only to debt collectors, not to creditors collecting their own debts, and it does not apply to commercial or business debts. If a debt collector is harassing you, contact our Charlottesville debt relief attorneys right away.
What type of collection behavior is prohibited under the act?
The following types of behavior are prohibited under the Fair Debt Collection Practices Act:
- Contacting a debtor at work without consent
- Contacting a debtor before 8:00 a.m. or after 9:00 p.m.
- Using profane or threatening language
- Threatening to place you in jail or take you to court
- Providing false information
- Collectors failing to identify themselves on the phone
There are certain debt collection methods that are permissible under bankruptcy law, such as repossession, foreclosure or wage garnishment, but a debt collector is not allowed to threaten you with these. Contact our lawyers at the Miller Law Group, P.C. to make sure you know your rights.
Contact us to stop creditor harassment
Debt creates significant stress. That stress shouldn’t be compounded by harassing phone calls or letters from debt collectors. At the Miller Law Group, P.C., we believe that everyone is entitled to a fresh start free of harassment. With more than 30 years of combined experience, we work hard to protect what’s important to our clients: their assets and their families. Call us locally at 434-202-5293 or contact us online today for your FREE APPOINTMENT. Our law firm is located behind the Senior Center in Charlottesville and is handicapped-accessible. Parking is available outside the door.
Serving the communities of central Virginia, including Albemarle, Augusta, Buckingham, Charlottesville, Culpeper, Fluvanna, Greene, Louisa, Madison, Orange, Harrisonburg, Staunton and Waynesboro