Stop Creditor Harassment

We Help Stop Creditor Harassment

If you are being harassed by creditors, you are likely already working to resolve your credit and debt issues. Unfortunately, creditors do not always comply with the automatic stay or listen to requests to stop calling at inappropriate times during the day. Excessive creditor harassment is not only profoundly disturbing, it is also illegal in many instances.

At the Long Beach, California, law firm of Brand & Spellman, P.C., we understand how deeply unsettling excessive creditor harassment can be. We are here to protect our clients by offering them the legal help they need and deserve.

Are You Experiencing Creditor Harassment at Home or Work? Do You Have Questions Regarding How Far Creditors Can Go When Attempting to Collect on Debts? We Can Help. Call Brand & Spellman, P.C. at 562-375-0317 or 866-345-2440 toll-free.

Common creditor action violations involve:

• Failing to identify themselves as debt collectors, but only give the company name
• Failing to limit their inquiries to the three legally permissible questions: Last known phone number, place of residence and place of work
• Disclosing to third parties (such as employers, neighbors, friends or family members) that you owe debt, including, but not limited to, credit card debt
• Contacting you after discovering you are represented by an attorney
• Violating time of day specifications (calling you before 8:00 am and after 9:00 pm local time)
• Calling you at work after being requested to stop. Particularly if you have informed them that there is a strict work policy against receiving personal calls and that your work considers calls about your debt to be personal
• Calling you after you, in writing, tell them that you are not going to pay the debt, you deny owing the debt, or that you want them to stop communicating with you
• Communicating private information to your neighbors or family members about your debt
• Using profanity or abusive language
• Threatening force or harm to you or your property
• Calling repeatedly (for example, calling you 4 or 5 times in a row)
• Attempting to get you to pay more than the debt is worth
• Impersonating law enforcement officials, attorneys or other authority figures
• Threatening arrest, imprisonment, garnishment or attachment of your property
• Threatening a lawsuit when they have not retained the services of an attorney

Firm lawyers Donny Brand and Alex Spellman are experienced in halting creditor harassment and resolving illegal creditor behavior. They have a thorough understanding of the federal and state consumer and debtor protection laws, including the Fair Debt Collection Practices Act (FDCPA) and the California Rosenthal Act.

Contact Us for Your Free Initial Consultation

If you are being harassed, you have rights. We can help protect them, leaving you free to focus on handling your debt or bankruptcy matters. For more information on stopping creditor harassment, contact our firm for a free initial consultation.

Our attorneys offer flexible evening and Saturday appointments, and we are open until 6 p.m. Monday through Friday. We are conveniently located near California State University Long Beach and are easily accessible from the 405, the 22, the 710 and the 91.

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