When May A Creditor Call Me?

Denvil Crowe's picture

When bill collectors call, they want to be repaid, period. Otherwise, they will not stop calling unless you know your legal rights. An experienced bankruptcy - debt solution - attorney like Denvil Crowe has the ability and tenacity to stop them in their tracks and make them stop calling once and for all.

An experienced and qualified debt collection defense and bankruptcy attorney like Denvil Crowe is more than familiar with the legal rights and protections afforded by federal laws such as the Federal Debt Collectors Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). Someone has to protect your legal rights. It won't be anyone trying to collect a debt from you as this is your obligation. Denvil Crowe may help level the playing field and help consumers meet this obligation.

While the FCPA allows debt collectors to call consumers at home, they may only do so between the hours of 8:00 A.M. and 9:00 P.M. local time. Please know that debt collectors may not call at an unusual time or place, or any other place that should be known to them to be inconvenient. There are other additional actions that debt collectors may not take, these include causing your telephone to ring repeatedly; or engaging you in telephone conversation repeatedly with the intent to annoy, abuse, or harass you or anyone residing at the telephone number's physical location.

Debt collectors may call consumers at a telephone number that was provided in a credit application. Debtors may have listed a work phone number, which means any calls may make it difficult for a worker to be productive for all eight hours of a workday.

Federal law requires that consumers send a written “cease and desist” letter to stop debt collector calls on a cellular telephone or home telephone. For calls received at work, consumers must only provide a verbal notice to make a debt collector stop calling their workplace. However, I suggest that any actions that are taken to make a collector stop making harassing phone calls always include a written "cease and desist” letter sent by certified mail with return receipt requested.

If you have any questions that you need immediately answered or if you are simply in need of assistance in completely reviewing and thoughtfully considering your options in the face of financial hardship caused by any circumstance, Denvil Crowe, one of Tupelo's most qualified bankruptcy attorneys, may help you decide whether bankruptcy is your best option. If you want more information about bankruptcy, including how it works and what it may do for you, call Denvil Crowe, one of Tupelo's most qualified bankruptcy attorneys. Call 800-429-HELP (4357), email us at Contact@denvilcrowe.com or check us out online today to receive all of the assistance you need in solving the burden of excessive and unmanageable debt!

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