How to Stop Creditor Harassment
San Jose Creditor Harassment Lawyer
If you are being abused or harassed by creditors or debt collectors you can send them a cease and desist letter. The letter can be short and straight-forward. Basically, you should tell them to stop contacting you. It may be good to send the letter via U.S. certified mail so that you can provide the debt collector received the letter.
You can also file a complaint with the Federal Trade Commission (FTC) or the California Attorney General's Office. These agencies may be able to contact the debt collector to see what is happening. Unfortunately, government agencies are overwhelmed at times and have difficulty keeping with the needs of the many consumers who are being abused and harassment.
Or, you can also contact a consumer protection lawyer, basically an attorney that focuses on protecting consumer's rights.
In California you can contact a San Jose creditor harassment lawyer at Wilcox Law Firm, P.C. We are dedicated to helping consumers who have been abused or harassed by debt collectors. We can meet with you personally for a FREE consultation and help you better understand your rights.
Collection Abuse Attorney in San Jose
Contact a San Jose Collection Abuse Lawyer for help in taking action to stop harassing collection calls or to pursue financial damages for abuse and harassment.
Steps to Take to Help Your Case
If you are being abused or harassed by creditors or debt collectors there are several steps you can take to help yourself:
- 1. Save ALL collection letters you receive, do not throw any away, regardless of how innocent they look.
- 2. Save ALL voice mail messages left for you, regardless of how innocent they sound.
- 3. Save ALL telephone bills.
- 4. Take photographs of your telephone's caller I.D. information.
- 5. Tale notes of the date and time of all calls or messages, whether you spoke to the debt collector or not, and be sure to write down the debt collector's name, company name, and telephone number
- 6. Save ALL of your notes regarding collection calls, even handwritten notes, things you quickly jotted down on scrap paper, etc.
- 7. Call a consumer protection attorney!
Get the Help You Need
If you are being abused or harassed by a debt collector you should contact a consumer protection attorney that has experience dealing with creditors and debt collectors. Ronald Wilcox is a San Jose collection harassment attorney that has more than 20 years of experience helping consumers deal with financial problems.
A San Jose creditor harassment lawyer is available to provide you with immediate assistance in your case if you are being harassed by creditors and debt collectors, and will fight diligently to see that your rights are full upheld.
Contact us and we can help you better understand your rights and do what it takes to STOP the collection harassment!
What to Do if You Are Being Abused and Harassed
First, you can ask them to stop- some debt collectors will respect your wishes. Second, you can also send them a cease and desist letter. Third, filing a complaint with the Federal Trade Commission, State Attorney General's Office or Better Business Bureau, will usually get the debt collector's attention, however, these agencies are sometimes overwhelmed with the number of complaints they receive about debt collectors who violate the Fair Debt Collection Practices Act.
A more direct and efficient way of dealing with creditors or debt collectors is to report the collection abuse to a consumer protection attorney. An experienced attorney can help you better understand your rights as well as get the creditors off your back. If you can prove the violations then the attorney will also speak with you about potentially brining a lawsuit against the debt collector.
If you are being abused or harassed by creditors or debt collection agencies there are some things you can do to better protect yourself. It is important that you save all letters, voice mails, hand written notes, telephone bills, etc. Many times it is this evidence that will help you prove and your attorney prove what happened.
Collection Abuse Lawyer in San Jose
Wilcox Law Firm, P.C. has more than 20 years of experience in helping consumers. Our law only represents consumers, we do not represent creditors or debt collectors.
If you are being abused or harassed by a creditor or collection agency contact a San Jose Collection Abuse Attorney right away for IMMEDIATE legal help.