Collections and Creditor Harassment

Texas Creditor Harassment Lawyer

Have you been threatened legal action or wage garnishment from harassing creditors?

Under the Fair Debt Collection Act, you are entitled to certain protections as a debtor. The Law Office of Gordon Mosley has more than 12 years of bankruptcy experience and can advise you of your rights. Contact our Tyler debt collection attorneys for a free initial consultation.

Fair Debt Collection

Creditors are required to treat debtors fairly when attempting to collect a debt. There are certain actions that a creditor is allowed or prohibited from doing, such as:

• A creditor may not call you early in the morning or late at night unless you have approved
• A creditor may not call you at work, unless you have approved them to
• A creditor may not falsely imply that you could be arrested for non-payment of the debt
• A creditor may not threaten legal action to collect a debt unless they intend to take legal action
• A creditor may not threaten wage garnishment to recover the debt (unless the debt is for child support, government debts, or school loans)
• A creditor may not contact you after you have notified them in writing not to do so
• A creditor may not contact you after you have submitted written notice that you do not owe the money
• A creditor may not call your friends, neighbors, or family to inform them of your debt or attempt to collect
• A creditor may not use violence or threaten violence to recover a debt

Contact our Texas Bankruptcy Attorneys

If the debt collector violates the Fair Debt Collection Act, the consumer has certain legal remedies available to them. Our Texas bankruptcy lawyers will help you assert your rights under the Fair Debt Collection Act or if necessary, will guide you through filing for debt relief under a chapter 7 or chapter 13 bankruptcy. For assistance and a free initial consultation, contact our Texas creditor harassment lawyers today. You do not deserve to be harassed by a creditor.

Law Office of Gordon Mosley
Helping you get a fresh start in life.