We Can Stop The Phone Calls

We understand that some collection companies will take extreme measures when demanding payment on your debt. We'll help put an end to those humiliating creditor calls.

Protections Under the Fair Debt Collection Practices Act

Many laws are set in place to protect individuals from the unlawful and harassing actions often displayed by debt collectors. These laws restrict the practices of collection agencies from engaging in aggressive practices that are classified as harassment. The Fair Debt Collection Practices Act (FDCPA) is on your side to put an end to the threats and abusive behaviors of debt collectors.

helping to stop creditor harassment calls

Once you retain the legal services of a bankruptcy attorney in Buffalo, an automatic stay is placed on all debt collection practices. At Smith & Messina LLP, we can help you protect your rights and ensure that the debt collection agency is held responsible for its abusive actions.


Unlawful Actions of Debt Collectors

You can be comforted by the regulations set in place by the FDCPA. This act provides consumers with relief from harassing, deceptive, and abusive tactics taken by debt collectors.

Common collection actions that are not permitted include:

  • Disclosing your debt to third parties
  • Using abusive or profane language during communication
  • Reporting or threatening to report false information
  • Calling outside the hours of 8am and 9pm
  • Contacting you in any manner after a written request to stop has been submitted

If a debt collector or collection agency intentionally violates the FDCPA, they can be sued for damages. Do not allow this type of abuse to damage your hope or your future. Take legal action today and schedule a case evaluation. We have the resources to provide you with a personalized evaluation of your case and to help you navigate each step of bankruptcy process. View our free case evauation form to set up a consultation.



Restrictions of Creditors

Creditors are restricted by constraints regarding how they can and cannot interact with debtors to collect payments

The FDCPA prohibits specific acts when it comes to collecting debts, including:
  • Contacting consumers outside the hours of 8:00 am and 9:00 pm.
  • Communicating with the debtor in any way after receiving written notice to stop
  • Continuous phone calls
  • Misrepresentation or deceit
  • Publishing the consumer's name or address
  • Threatening arrest or legal action
  • Abusive or profane language

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Have Questions About Where To Begin?

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