Plano Creditor Harassment Attorney for Texas Residents

Comprehensive Support for Creditor Harassment Issues in Texas

Are you being harassed by creditors? Do you feel like you're drowning in debt and don't know where to turn? LoBue Law is here to help. Our experienced Plano and Dallas Creditor Harassment Attorneys can help you put an end to the constant phone calls, emails, and letters from creditors.

Our Plano and Dallas Creditor Harassment Lawyers have years of experience dealing with creditors and know how to protect you from their aggressive tactics. We understand that dealing with creditors can be overwhelming and stressful, but our team is here to help you navigate the process and find a solution that works for you.

Call LoBue Law today at (972) 694-6400 or contact us online to schedule a consultation with our creditor harassment lawyer in Plano.

Understanding Creditor Harassment: What You Need to Know

Creditor harassment often occurs when creditors or debt collectors use abusive, unfair, or deceptive tactics to collect a debt. While creditors have the legal right to seek repayment, they need to follow specific rules outlined in the Fair Debt Collection Practices Act (FDCPA). Violating these rules is considered harassment and can result in legal action against the creditor or collection agency.

Common forms of harassment include repeated phone calls, threats of legal action, and false statements about the debtor’s rights or obligations. A Plano creditor harassment attorney can help you safeguard your rights and ensure that debt collectors are held accountable for their actions.

Recognizing Common Examples of Creditor Harassment

Common examples of creditor harassment include:

• Excessive or Repeated Phone Calls: Constantly receiving phone calls from a creditor, especially several times a day or during non-business hours, is a form of harassment. Debt collectors are only permitted to contact you during reasonable hours and cannot call repeatedly to annoy or harass you.
• Threatening Violence or Harm: No debt collector is allowed to use threats of violence or physical harm to compel payment. If a collector makes such threats, they are violating both federal and state laws.
• Publicly Shaming You: A creditor cannot publicly disclose your debt or shame you into paying it. This includes posting information about your debt on social media or threatening to tell your employer or friends about it.
• Using Profane or Abusive Language: Debt collectors are prohibited from using profane, obscene, or offensive language during any communication with you. Verbal abuse or intimidation tactics are clear violations of the FDCPA and the TDCA.
• Contacting You at Work After Being Told to Stop: If you inform a creditor or debt collector that they are not allowed to contact you at work, they must respect that request. Continued calls to your place of employment are considered harassment.
• False Threats of Legal Action: Debt collectors cannot falsely threaten legal action or claim they will garnish wages, repossess property, or have you arrested if they do not have the legal right to do so. Misleading claims like these are designed to scare you into paying, but they are illegal under the FDCPA.
• Contacting You After You’ve Requested Communication to Stop: If you’ve sent a written request asking a debt collector to stop contacting you, they must comply. Continued calls or communication after such a request is harassment and grounds for legal action.