A worried-looking woman on a call.

Are you tired of relentless debt collection calls disrupting your peace of mind? At the Law Office of Joel Gonzalez, we understand the stress and frustration that debt collection harassment can bring into your life. That’s why we’re here to empower you with strategies to stop debt collection harassment and regain control of your financial well-being.

Understanding Your Rights:

First and foremost, it’s crucial to know your rights when it comes to debt collection. The FDCPA (Fair Debt Collection Practices Act) is a federal law that protects consumers from harassing and abusive practices from debt collectors.

Under this law, debt collectors are forbidden from engaging in actions such as:

  • Calling you excessively or at unreasonable hours
  • Threatening you with legal action they have no intention of taking
  • Using profane or abusive language
  • Contacting you at work after being informed that it’s not allowed
  • Knowing your rights empowers you to stand up to debt collectors who engage in unlawful behavior.

Communicate in Writing:

One effective strategy to stop debt collection harassment is to communicate with debt collectors in writing. Send a formal letter requesting that they cease all communication with you.

According to the FDCPA, once they receive your letter, they must cease all communication except to inform you of the legal action they intend to take. Keeping a record of all written communication can also be valuable evidence in case you require further legal action.

Seek Legal Assistance:

If debt collection harassment persists despite your efforts, seeking legal assistance can be a powerful step toward resolution. At the Law Office of Joel Gonzalez, we specialize in protecting consumers from abusive debt collection practices.

We can help you navigate the legal complexities involved in stopping debt collection harassment and hold debt collectors accountable for their actions.

Take Action Against Aggressive Debt Collectors:

Filing a complaint

When debt collectors cross limits into harassment, it’s important to take action. You have the right to file a complaint with the Attorney General’s office in your state and the CFPB (Consumer Financial Protection Bureau).

Additionally, you may have grounds to pursue a debt collection lawsuit in Corpus Christi if the harassment violates the FDCPA.

Don’t let debt collection harassment control your life any longer. Take charge of your financial future by comprehending your rights, communicating effectively, and seeking legal assistance when needed. At the Law Office of Joel Gonzalez, we’re here to support you every step of the way.

If you’re ready to put an end to debt collection harassment and reclaim your peace of mind, contact us today for a consultation. Together, we can stop debt collectors in their tracks and help you move forward towards a brighter financial future.