One Call to Our New Jersey Bankruptcy Attorneys Can Stop All Calls to You
The Law Protects You from Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) governs what debt collectors can and can’t do when they’re trying to collect. They can’t call late at night or early in the morning. They can’t threaten or harass you. They can’t call you dozens of times a day. Most importantly, they are required by law to stop calling you altogether if you request it.
If debt collectors continue to call after you’ve asked them to stop, they’re in violation of the FDCPA and you may be entitled to damages. You should always keep records of your contact with debt collectors, including the date, time, and content of the communication, so that you have evidence of any misconduct.
Banks and Casinos
The FDCPA covers people and firms whose primary line of business is debt collection. Unfortunately, that means banks and casinos are not covered. They can call to collect even if you ask them to stop. However, if you retain an attorney to deal with your debts, they are required by law to contact only your attorney, not you.
Bankruptcy Will Stop Collection Calls
If you’re struggling with debt, bankruptcy may be the best option for you. When you file for bankruptcy, you get the protection of the automatic stay. The automatic stay forces a stop to all collection actions, including collection calls. Your creditors will have to deal with your attorney and the bankruptcy court; they’re prohibited by law from contacting you directly at that point.
What Our New Jersey Bankruptcy Attorneys Can Do For You
Call us today for a free consultation. We have decades of experience in dealing with debts and debt collectors. If you feel your rights have been violated under the FDCPA, we’ll review the conduct of the debt collectors and help you decide whether to file suit. If you’re struggling with debt, we’ll work with you to help you decide the best way to deal with your debts. We understand the anxiety and misery of constant calls from debt collectors and we want to help you escape the oppression of debt.