Facts about the Fair Debt Collection Act

Oklahoma City Debt Collection Harassment Attorney

Oklahoma City Debt Collection Harassment Attorney

There may be a point in your life when you fall behind in paying your bills. When this happens, your debt might go to collection, and a debt collector may contact you to request payment. Because of this, knowing what debt collection agencies can and cannot do is very important. Certain consumer laws like the Fair Debt Collection Act can protect you from debt collector harassment by preventing collection agencies from using illegal practices in collecting debt.

Working with an Oklahoma City debt collection harassment attorney is the key to knowing important details regarding the Fair Debt Collection Act. Reach out to Scott Harris and his bankruptcy law firm so that he can help clear your debt without collectors giving you a hard time!

Why do I need an Oklahoma City Debt Collection Harassment Attorney?

The legal services of an Oklahoma City debt collection harassment attorney may give you peace of mind despite being in debt. This is because OKC FDCPA attorneys can protect you from debt-collecting agencies who resort to extreme measures when debt isn’t paid on time.

Apart from skills, knowledge, and state-wide recognition, Scott believes that one must possess the following qualities to be considered a trustworthy Oklahoma City debt collection harassment attorney:

  • Has the desire to help each client clear their debt and stay debt-free for a long time
  • Gives each client multiple options and helps them decide how to proceed based on their current situation
  • Offers excellent legal services to protect you from creditor harassment
  • Is capable of handling cases in other related areas of practice such as bankruptcy and foreclosure Defense

Give Scott’s law firm a call today if you’re not sure about your next step and feel stuck in your present situation. Your financial goals may only be an outstanding Oklahoma City debt collection harassment attorney away!

What is the Fair Debt Collection Practices Act (FDCPA)?

The Fair Debt Collection Practices Act (FDCPA) is a consumer law that helps to determine the validity and accuracy of asserted debts and provides debtors a means for challenging payoff demands. More importantly, the FDCPA is responsible for establishing ethical guidelines for collecting consumer debts. Such behavior was targeted since it was found out that abusive debt collector harassment practices are a huge reason for bigger issues like personal bankruptcy, loss of livelihood, marriage problems, and invasion of personal privacy.

Due to the abundance of cases when agencies resort to unfair, abusive, and deceptive debt-collecting practices, the FDCPA aims to eliminate such methods while ensuring that debt collectors who are not abusive won’t be at a disadvantage. This fair debt collection act also promotes consistent action from the state in helping prevent abusive debt-collecting practices.

Consult an Oklahoma City debt collection harassment attorney to learn more details about the FDCPA and be educated on the following:

What is debt harassment?

According to the FDCPA, debt collectors are not allowed to abuse, threaten, or harass you in any way. Not only does this law prevent debt harassment practices, but it also severely limits collectors from engaging in fraudulent activities. It is considered debt harassment when collection agents do any of the following:

  • Provide wrong information regarding your credit report
  • Make threatening remarks and lies about how your debt affects your credit
  • Makes use of abusive language
  • Call several times in a day and doesn’t name the company they are connected to
  • Contacts you on a number you didn’t give the original creditor
  • Lets your family, friends, and co-workers know of your debt
  • Charge you extra without giving you a heads up
  • Try to collect more than what you owe
  • Unlawfully seize any personal property
  • Deposit or accept post-dated checks

If you need a clearer explanation on how to identify collectors who use debt harassment tactics, speak to an Oklahoma City debt collection harassment attorney immediately.

How exactly can an Oklahoma City debt collection harassment attorney help you?

The main reason you should hire an Oklahoma City debt collection harassment attorney is to stop the abusive behavior of the collectors you deal with. Our OKC FDCPA attorneys will communicate with all collection agencies and their collectors to prevent them from disrupting your daily life.

Additionally, OKC FDCPA attorneys see to it that any act of harassment done by collectors will be dealt with accordingly. The FDCPA allows you to file a suit against the debt collector for their illegal collection practices.

Consult with an Oklahoma City debt collection harassment attorney to learn more about protecting yourself from all forms of debt collector harassment.

What are the limitations of OKC FDCPA attorneys?

Although OKC FDCPA attorneys could help protect your rights, there are limitations to what type of creditor harassment they can protect you from. The FDCPA only covers third-party debt collectors. However, creditors to whom you directly owe money can still contact you however they want without being sued. Debts related to the business are also not covered under the FDCPA.

The most an Oklahoma City debt collection harassment attorney can do in this situation is negotiate a payment plan or a settlement with the creditor. But if the debt collector decides to take legal action aiming to collect the amount you owe, there is nothing OKC FDCPA attorneys can do to stop it.

The legal services of an Oklahoma City debt collection harassment attorney should keep you informed of what can be done to protect you from abusive debt collector practices. Call us today for legal advice on an FDCPA violation!

Call our OKC FDCPA attorneys now!

Scott Harris is the man for the job if you’re looking for a reliable Oklahoma City debt collection harassment attorney capable of fighting for your right to consumer protection. Since opening his law firm in 2009, he has worked tirelessly to make sure the residents of Oklahoma have a lawyer they can turn to whenever they experience financial troubles.  Scott has also been recognized by Expertise.com as one of the best OKC bankruptcy attorneys in 2022.

Scott Harris Law, PLLC also provides legal services in other practice areas, including including Chapter 13 or Chapter 7 bankruptcy law, foreclosure action defense, and debt negotiation.

If you have any questions about the Fair Debt Collection Act or related Oklahoma law, feel free to visit Scott in his law office for a consultation on how to stop creditor harassment immediately.

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