Philadelphia Bankruptcy Attorney

Are you considering filing for bankruptcy in Philadelphia?

Creditor Harassment

Filing for bankruptcy automatically puts a stay on all collection efforts by creditors including continued contact or harassment by creditors and debt collection agencies. Debtors are also offered protection from creditor harassment and abuse under the Fair Debt Collection Practices Act (FDCPA), a federal statute that was passed in 1978 as Title VIII of the Consumer Credit Protection Act. This Act serves to protect consumers from unfair debt collection practices and regulates creditors and collection agencies.

If you or someone you know is suffering from creditor harassment or creditor abuse, contact Philadelphia bankruptcy lawyer Michael A. Cohen right away for a free consultation. In addition to reviewing how bankruptcy can help you fight these unfair practices, Attorney Michael A. Cohen can also inform you about your rights as a consumer under the FDCPA and if you may be entitled to legal recourse.

Examples of Creditor Harassment

Creditor harassment or abuse can come in many different forms and can affect a consumer in many ways. In addition to causing emotional distress, creditor harassment may actually have financial consequences on an individual and may affect their reputation, employment and relationships. The following are several examples of creditor harassment:

  • Contacting a debtor before 8am or after 9pm
  • Contacting a consumer with intentions of harassing or annoying them
  • Discussing the debtor’s situation with a third party, like an employer or family member etc.
  • Contacting a debtor who is known to be represented by an attorney
  • Threatening legal action without no means or ability to do so
  • Using any profanity
  • Making threats to the debtor
  • Misrepresentation
  • Contacting a debtor at their place of employment, after being informed that the employer prohibits or does not accept this

Find out what you can do to stop creditor harassment! Contact Philadelphia bankruptcy lawyer Michael A. Cohen right away.