Even if you are struggling with debt or behind on bills, you are still protected under federal law against illegal debt collection practices, which include false and deceptive means of collecting debt.
You are protected by the Fair Debt Collection Practices Act (FDCPA) from the unlawful behavior of debt-collectors, which are usually hired by your creditor to collect your debt. For example, these collectors may not misrepresent or exaggerate your debt, use profane language against you, call before 8 a.m. or after 9 p.m, or threaten to file suit, garnish wages, seize assets, or harm your credit score if the means of doing so are unavailable or unintended.
If you are struggling with debt, considering bankruptcy, or have been a victim of deceptive or unlawful creditor harassment, you have options. Consult with an experienced attorney at Agruss Law Firm, LLC, to discuss your rights and protections and learn how to take the next step.