Minnesota Consumer Protection Lawyer
How a Bankruptcy Lawyer Can Help
When you are struggling to pay the bills, the last thing you need is a debt collector harassing you at every hour of the day. This kind of behavior can cause anyone to lose control of the situation and feel even worse about their debts than they should. It is the debt collector's job to collect a payment, but this does not mean they have the right to do whatever they want to get it. There is a fine line between what is acceptable and what is not when it comes to the means by which debt collecto rs will go about their collection efforts.
The Fair Debt Collection Practices Act is a Federal statute enacted to protect consumers from being unfairly harassed by debt collectors. Although debt collectors are only trying to do their job, often the ways in which they go about it are illegal. T here have been cases in which creditors will make false or fraudulent statements to debtors or issue fraudulent legal notices. This type of behavior is illegal . Other illegal means of collecting a debt include:
- Abusive or harassing phone calls
- Calls at your place of employment or calls to your boss, supervisor or colleagues
- Calls before 8 AM or after 9 PM
- Calls to family, friends or neighbors about your debt
- False threats
If you have been a victim of any of the above, you need to contact a Minnesota bankruptcy lawyer today. This type of behavior is not tolerated and not legal and thus, you do not have to put up with it. Protect your rights and stop the harassment. You do not have to put up with the additional stress, shame and guilt that creditors may cause you.
Consumer Protection Attorney in Minnesota
If you have been a victim of any of the above actions, contact Heimerl & Lammers today and exercise your right to stop this harassment. The firm consists of five experienced Minnesota bankruptcy attorneys that can help you with this problem. They can also provide assistance in determining whether Chapter 7 or Chapter 13 bankruptcy is the best option for your situation. Call us for a free initial consultation and to put an end to this unfair harassment today.
Contact a Minnesota consumer protection lawyer today if creditors are harassing you, and you'd like to get help with putting an end to it.