New Jersey Debt Collection Harassment
Navigating life is a challenge at times and harassment by collectors is the last thing you need. Are you being harassed by creditors? Let Keaveney Legal Group know your debt situation TODAY so we can help. Use our chat, call by phone or use in our easy form!
Are You a Victim of Debt Collector Harassment?
Do you constantly receive phone calls from debt collectors? What you may not know can hurt you!
Here are some examples of how creditors often commit harassment:
- Demanding payment for more than the amount owed
- Phone calls before 8am or after 9pm
- Phone calls to your friends, family, or employer
- Verbal threats
- Offensive language
- More phone calls than necessary
- Lying about any information regarding your debt
- Improper identification during phone calls and on all pieces of mail
- Phone calls after you have requested them to stop
Don’t Let Debt Collectors Harass You
Debt can leave you feeling empty inside; it results in unwanted stress. Depending on the situation it often appears as though there is no way out. Lost your job, family emergency, or maybe you spent an extended period of time in the hospital. There are many different factors that contribute to ones debt. The last thing you need is a collector harassing you about it. Don’t let this happen to you. If you feel you are being harassed, call for a free consultation today.
Just because you owe someone money does not give them the right to harass you. Many people are unaware of the strict laws in place to help protect your rights. Creditors are aware of this knowledge gap and often get away with harassment. Don’t be left in the dark any longer.
Federal and state law protects you against creditor harassment. The Fair Debt Collection Practices Act (FDCPA) clearly outlines the laws regarding creditor harassment.
The New Jersey Consumer Collection Practices Act (FCCPA) also helps its residents fight against harassment. Accordingly, all collectors are required to register with the state. This act also limits the actions they are allowed to take.
The Telephone Consumer Protection Act (TCPA) restricts debt collectors from using automatic dialing systems. These systems are often referred to as “robocalls”. The TCPA also restricts creditors from leaving fake or pre-recorded voice messages.
Once a cease and desist order has been received from you or our offices; all communications must come to an end. In addition, once a collector has been informed of your legal representation, all communications must stop.
Keaveney Legal Group will help educate you of the Acts and Laws surrounding creditor harassment.
The Next Steps
If you do still have outstanding debts, we will work with you to obtain the most affordable terms and payments. The attorneys at Keaveney Legal Group are here to answer your legal questions. If you feel that you are the victim of Debt Collector Harassment, call us today. Our firm will assist you throughout harassment litigation. You may owe a collector now but if you are being harassed, they may owe you in the future. The number to call is (800) 219-0939.