Creditor harassment is one of the biggest concerns surrounding financial debt. No one wants to be reminded day in and day out that they owe money. Furthermore, it would appear that creditors have no shame, calling at all hours of the day and even hassling people at their place of employment. Many people are so overwhelmed by creditor harassment that they are not aware that there are certain rules in place to stop this from happening.

Although it is a debt collector’s job to collect a payment, this does not mean they have free range to do so in any manner possible. There is a fine line between what constitutes acceptable behavior and what is considered harassment and you have a right to know if a creditor has crossed this line. A Minneapolis bankruptcy attorney can assess your case against a creditor and stop this harassment once and for all.

Creditor Harassment and Fair Debt Collection Practices

Minnesota and all of the United States of America follow the Fair Debt Collection Practices Act which protects consumers from unfair treatment and harassment by debt collectors. There are certain behaviors that are considered illegal under this act. If you are being harassed in any of the following situations, then you may be able to take legal action against it:

• False threats
• False legal notices and claims
• Calls to family, friends or neighbors about your debts
• Calls to your home before 8AM or after 9PM any day of the week
• Calls to your place of employment
• Calls directly to your boss or supervisor concerning your debt
• Abusive phone calls
• Harassing phone calls

If you are suffering from emotional pain caused by a creditor’s attempt to get money, then there is a good chance that your rights are not being protected. Under the Fair Debt Collection Practices Act, you have the right to stop this unfair treatment.

Minneapolis Bankruptcy Attorney Advice

One of the ways you can stop this harassment is by contacting a Minneapolis bankruptcy attorney. He will be able to assess the situation and determine if your rights are being violated. If so, then he will fight on your behalf to make this behavior stop. Furthermore, a Minneapolis bankruptcy lawyer can also look at your financial situation and determine if perhaps Chapter 7 or Chapter 13 bankruptcy is the best option to get those creditors to go away for good. Under both bankruptcy acts, creditors will be forced to stop as soon as your claim reaches the federal courts.

Most of us struggle with payments every now and then. However, if it feels like your life is being consumed by harassing phone calls and rude letters from creditors it might be time to do something about it.

Olson Law Firm has years of experience in bankruptcy cases and filings and thus can help you through this financial mess. Furthermore, they can provide you with the confidence and legal assistance to stop any harassment that is out of line. For a free consultation regarding your bankruptcy options and your rights surrounding creditor harassment, contact Olson Law Firm today at 612-816-2322.