Have you become a victim of creditor abuse? Do you feel like the harassment is simply too much? If so, you need to be aware of your rights as a debtor and what you can do to alleviate your situation.

Under the FDCPA, a debt collector is only allowed to make phone calls between the hours of 8 a.m. and 9 p.m., unless you have given your consent to be called outside of those time boundaries. If you did not give prior consent and you are still receiving phone calls at all hours of the day, you can file a complaint with the Attorney General's office in your state.

Should a creditor resort to the level of calling you inappropriate names or even threatening you, this serves as definite grounds for harassment. Verbal harassment is a direct violation of the FDCPA and should be reported.

When a debt collector attempts to call your workplace, oftentimes he/she will be asked to stop calling you at that number. If the collector still makes phone calls to your place of employment, you have grounds to complain about the person/company.

If you want to put an end to creditor harassment, contact our law office to discuss your options with a Houston bankruptcy attorney.