Make them stop. We can help.
The Fair Debt Collections Practices Act (FDCPA) is a federal law that protects consumers against illegal debt collection practices. When collection agencies cross the line, you have rights. There are legal steps you can take to stop illegal collection techniques and stop creditor harassment.
What actions by debt collectors are prohibited:
Inconvenient communications, such as late night, cell phone or work calls.
Repeated and continuous contact.
Misrepresentation and deception, including claiming that you will be arrested.
Using obscene, offensive, violent, or profane language.
Advertising your debt or publishing your name.
Telling your friends, family, or employer about your debt.
Taking any legal action against you without merit or validation of debt.
Contacting you after you’ve retained an attorney for representation on the debt.
What we do:
We understand that the stress and anxiety caused by hounding creditors is worse than the underlying debt itself. Our attorneys help individuals who have been harmed by illegal collection acts bring suit under the FDCPA, hold creditors liable for their wrongful acts and obtain compensation for the damage caused by their illegal collection practices.
What you can do:
Log all contact with creditors. Provide us with as much information as possible about the communications so that our attorneys can evaluate the communications for violations of the FDCPA. Include date, time, method of contact, who you spoke with, and what they said.
Additionally, you should send the debt collector a certified letter requesting that you want them to stop phoning you at home and at work. Provide our office a copy of the letter and documentation of any further contact.
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Since 1997, the St. Louis attorneys at The Law Office of Tracy A. Brown, P.C., have helped thousands in Saint Louis stop creditors from harassing, garnishing, and threatening clients through Chapter 7 and Chapter 13 bankruptcy filings that alleviate excessive debt. Contact us today to free your future from your past.