Debt Collector Harassment Laws

Protection from Abusive and Deceptive Debt Collection Practices

Final NoticePursuant to the Fair Debt Collections Practice Act, any debt collector, such as a credit card company or medical bill collector, is required to treat an individual fairly and the Act prohibits certain types of debt collection measures. The Fair Debt Collection Act is designed to provide individuals with protection from abusive, deceptive and unfair debt collection practices.

Pursuant to the Act, debt collectors are not permitted to utilize unfair practices, use fake names when they contact you or provide you with any documentation that resembles an official document from a court or government agency. Collection agencies cannot repeatedly annoy the individual over the telephone and they are prohibited from asserting any false or misleading statements when collecting a debt.

Appropriate Contact by Debt Collectors

Debt collectors are permitted to contact you by telephone, by mail or in person. However, the debt collector may not contact you at inconvenient hours and they are not permitted to contact you at your employment once they are made aware that your employer disallows such practice.

If you are facing a lot of overwhelming debt and you are considering filing for bankruptcy in New Jersey, you can try debt settlement first with the help of a bankruptcy lawyer. An attorney experienced in debt settlement negotiations can speak with your credit card companies to negotiate a more reasonable plan to help you pay down your debts without needing to file for bankruptcy. Call Villani & DeLuca today to discuss the option of debt settlement with one of our lawyers!

Call Villani & DeLuca for Help with Harassing Debt Collection Calls

The Point Pleasant Beach bankruptcy lawyers of Villani & DeLuca can help you stop debt collector harassment. Subsequent to retaining the law firm of Villani & DeLuca, you may then notify your creditors to forward any and all calls and related correspondence to our attention. Once you have provided your debt collector with our contact information, you will not be contacted by them again.

Subsequent to the filing of your bankruptcy petition with the U.S. Bankruptcy Court in New Jersey, your creditors will then be provided with an Order from the Court forbidding them from taking any collection action against you or contacting you at home. The law offices of Villani & DeLuca offer a free initial consultation to anyone who is experiencing financial difficulty and is contemplating filing for bankruptcy. If you are interested in filing for bankruptcy or stopping debt collector harassment, please contact us today at (732) 965-3390.