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Protect Yourself Against Creditor Harassment

September 16th, 2014

Drowning in debt? As your bills continue to pile up, you may find yourself struggling both financially and emotionally. As your bills go into collections, you could receive numerous phone calls from creditors. So, what should you do if you are experiencing unfair or abusive behavior from debt collectors?

There are many laws that protect consumers against creditor harassment and unfair behavior from debt collectors.. These laws include the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Truth in Lending Act and the Fair Credit Billing Act.

Under these laws, creditors may not harass you by mail, telephone or any other form of communication. So, what qualifies as harassment?

• Yelling or calling you names over the telephone
• Calling numerous times in one day
• Calling you after 9:00 pm or before 8:00 am
• Harassing your employer
• Calling family members or friends
• Sending letters that threaten to garnish your salary, file a lawsuit or freeze your bank account

What Can You Do To Prevent Creditor Harassment?

If a debt collector is harassing or abusing you over the telephone or by mail, you might be able to file a lawsuit against them. You may also be entitled to damages awards from creditors. New York credit lawyer, Darren Aronow, can help you receive the damages from creditor harassment that you deserve.

Student loan creditors are also one of the biggest offenders of creditor harassment. As a student loan attorney, Darren Aronow, can protect you against this abusive and unfair behavior. He will examine the debt collector’s behavior and determine if it violates any of the creditor harassment laws.

For more information on creditor harassment or student loan debt, contact The Law Office of Darren Aronow, P.C. today.

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