Frequently Asked Questions

San Jose Debt Collection Attorney

Are there laws that protect me against harassing creditors?

Yes, the Fair Debt Collections Practices Act (FDCPA) protects all consumers from unethical collection practices made by collection agencies. These are very specific regulations that require creditors to treat a person honestly and with respect. If you feel your rights have been violated, contact a San Jose creditor harassment attorney Ronald Wilcox.

What are some of the violations that credit collection companies make?

Many of these aggressive and unscrupulous companies call your employer and tell them about your debt, use foul language, threaten to have you put in jail or pretend to be a law enforcement or government employee. All of these are illegal actions and violate the FDCPA.

What are the times creditors are not supposed to call?

A creditor may only contact you between the hours of 8:00 a.m. to 9:00 p.m. in your time zone.

I am being collected on for a debt I do not owe. What do I do?

The creditor must provide proof that you owe the debt within a certain period of time from when they first contact you. If they cannot provide it and continue to harass you, contact our office for effective legal help in fighting the credit abuse.

How can you help me?

By representing you against creditors that are being abusive, we can end the constant calls and threatening actions. When clear violations of the FDCPA have occurred, we can file a lawsuit on your behalf and seek compensation for you.

Is a debt collector allowed to contact my employer?

They may, but with restrictions. If you inform them in writing not to contact you at work they will be unable to call again. If they do call again, it is a violation of the law. They may also not discuss your debt with your employer in any way.