Houston Debt Collection Law and Protection Lawyer
Have debt collectors started to harass you? Are they yelling at you or calling your friends to collect your debt? The law limits the actions debt collectors can take when asking you to pay a bill. The Martin Law Firm knows debt collection law and the limits placed on debt collectors. Clark Martin, a Houston debt collection protection lawyer, will reign in debt collectors and give you back your piece of mind.
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act (FDCPA) bars all forms of unfair, abusive, and deceptive collection practices. The FDCPA provides a laundry list of potential violations, together with general prohibitions on any form of deception, abuse, or unfair treatment. Despite FDCPA protections, debt collectors continue to use abusive tactics to pressure consumers into paying debts.
Debt collectors use abuse tactics often intended to scare or intimidate consumers. Debt collectors may also threaten violence or arrest.
Collectors may also pile on illegal interest or fees to make the debt larger. In some instances, these debts are time-barred or have been discharged in bankruptcy.
Common debt collection violations
Debt collectors often take actions that violate federal law. Here are some common FDCPA violations perpetrated by debt collectors:
- Calling repeatedly throughout the day to collect the debt.
- Continuing repeated calls after the debtor asks for the calls to stop.
- Contacting a debtor who is represented by an attorney.
- Failing to warn a debtor that the communication is from a debt collector and that any information obtained will be used to collect a debt.
- Using profanity or obscene language.
- Making racial, religious, or sexual slurs.
- Yelling or screaming on the phone.
- Falsely threatening a lawsuit.
- Falsely threatening to ruin a debtor’s credit.
When to hire a Houston debt collection law and protection attorney
If you are receiving harassing, abusive, or threatening phone calls or letters, The Martin Law Firm can help. Individuals often need help to reign in debt collectors. The tactics taken by some debt collection agencies are outrageous and out of bounds.
- Has a debt collector been leaving you voice messages that someone besides you has overheard?
- Have your friends or employer received phone calls or letters about your debt?
- Does a debt you disputed or paid still appear on your credit report?
The Martin Law Firm is here to enforce your rights. The FDCPA provides for damages in the event of abusive tactics. You may receive up to $1,000.00 in statutory damages. You may also get $500 – $1,500 per call for illegal Robocalls or text messages.
Debt laws prevent debt collectors from using harassing, misleading, dishonest, and unfair debt collection practices. Contact the Martin Law Firm to help enforce your rights. Clark Martin, a Houston debt collection protection lawyer, will help put debt collectors in their place.