Creditor Abuse FDCPA

The direction of today’s economy has lead many good people to find themselves in financial difficulty. Unexpected events occur, such as losing their job or suffering from medical emergencies, which can lead to your inability to pay your debts. Some creditors do not have the understanding to deal with individuals in financial crisis. Instead, they will harassed you with endless phone calls and threatening letters. This can be frightening and cause you unnecessary stress during an already difficult time.

At the Bereliani Law Firm, our Los Angeles creditor abuse lawyers will work hard to put an end to creditor abuse, and if justified, sue the collection agency for violation of the federal Fair Debt Collection Practices Act (FDCPA).

The federal and state government have taken steps to protect you, the consumer, against abusive and harassing collection attempts by creditors and collection agencies. These legal measures delineate exactly what steps a creditor can take and how they can act in collecting debt from you.

If the creditor violates the law, you are entitled to sue them in state or federal court. You are entitled to compensation for the damages caused by the collector plus court costs and attorney’s fees.

At the Bereliani Law Firm, we work hard to stop the creditor abuse and recover against the creditors for their abuse during a stressful financial time.

In California, the Rosenthal FDCPA (California Civil Code Sections 1788 et seq.) provides even more protection to consumers than its Federal counterparts in other states. Under the FDCPA, creditors are prohibited to:

• Call you repeatedly or contact you at unreasonable times of the day
• Threaten to use violence or to harm you or your family members
• Use obscene language
• Fail to identify themselves as a bill collector
• Threaten to arrest you
• Claim that your property will be seized
• Call you at your place of employment
• Discuss your financial situation with a third party

Unfortunately, not all debt collectors abide by these rules. If a debt collector or creditor has violated your rights under the FDCPA, you should contact a Los Angeles creditor abuse lawyer to protect your rights as consumer.

Just because you are in a financial crisis, it does not permit creditors to abuse you with calls, threats, and letters. You have very specific rights under the law and if these rights are violated, you should take immediate action to seek help. At the Bereliani Law Firm, we will help you restore your financial status and resolve creditor abuse.

For more information or to schedule a complimentary appointment with a Los Angeles creditor abuse lawyer, please contact the Bereliani Law Firm at (310) 882-5482.