About Creditor Harassment
Debt collectors understand that owing money can be an embarrassing thing. Moreover, they understand that the only thing more embarrassing than owing money is being accused of not paying your debts. This puts a lot of power in the hands of the debt collectors making it important that consumers understand their rights under the Creditor Harassment laws.
Consumer Rights Group.com was created to give people a place where they can learn about the Creditor Harassment laws, separate fact from rumor, and if necessary, a chance to have their case evaluated by an experienced, local Creditor Harassment attorney - for free.
Fill out a Creditor Harassment Questionnaire now to have your case evaluated by a local attorney for free.
To learn more about Consumer Rights & Creditor Harassment follow the different links on this page, or click one of the following:
Creditor harassment laws exist both at the state and the federal level. The federal laws apply to all persons, in all states, whereas the state laws apply only to the citizens of that state. In researching whether you are the victim of creditor harassment and what options you may have to stop it, it is very important to consider both sets of laws. This website is primarily devoted to the federal laws; however, please don’t take that to mean that the federal laws are more important. In fact, the opposite is true!
Many of the most powerful creditor harassment laws are state laws. In fact, many nationwide collection agencies focus on abiding by the federal laws, failing to realize that they are breaking the local state laws. This is a very important point, especially if you intend on suing the collectors that are harassing you.
If you happen to be in a state where there are both federal and state laws protecting you from creditor harassment, then typically that means you have two grounds upon which you can fight back. That’s twice the protections and twice the penalty for breaking the law.
As you read through this website please keep in mind that state laws can be very different from the federal laws; because of this difference, there really is no better resource for finding out whether you are truly being harassed and the best way to stop it, than sharing your story with a local attorney.
Although this website is a great resource for understanding how the creditor harassment laws protect us, there is no substitute to speaking with an experienced bankruptcy attorney about your individual facts and circumstances.
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