Top McKinney Collections Harassment Attorney
Relief From Abusive Collections Practices
Joe’s team of McKinney collection attorneys helps people with matters of consumer collections in Dallas.
- Threatening violence or physical harm
- Using obscene or profane language
- Publicizing your debt status and credit history
- Calling excessively and at unreasonable hours
- Advertising to sell debts to coerce payment
Having debt does not compromise your legal rights, and you do not have to put up with abusive and illegal debt collectors.
If an abusive and aggressive debt collector is harassing you, contact our firm. We take action right away to stop the abuse and move to file any further actions against the creditor or collection agency.
Debt Collection Rules
Debt Collectors May Not:
- Contact you before 8 am or after 9 pm.
- Contact you at work once you have notified them you’re not allowed to take calls there.
- Contact third parties more than once regarding your debt, and then it must be limited to obtaining contact information.
- Threaten violence.
- Publish a record of your debt for any other party but credit reporting agencies.
- Use obscene language.
- Repeatedly call in order to annoy.
- Use false statements.
- Threaten arrest or legal action where the action would be illegal.
- Report false credit information.
- Threaten to take your property without legal grounds to do so.
- Contact you via postcard.
- Deposit a post-dated check prior to the date.
Collections Lawsuits in McKinney Texas
Joe also helps his clients when disputes escalate into collections lawsuits in Texas. Our law office in McKinney defends individual consumers against their creditor’s allegations and help them prove their case in a court of law or an alternate dispute resolution forum.
We encounter many debtors at the firm daunted by the idea of facing their creditors in a legal venue. Fueled by misinformation, they believe they cannot stand on equal ground against an adversary with such great financial advantage. This is simply not true. The facts of the situation determine your case’s merit, and it is Joe’s job to strategize and build a defense around those facts that prove your claim.
Don’t forfeit your rights without exploring your legal options. Contact Joe’s collection attorneys for a free debt collection legal consultation. We are standing by to help.
How Do I File a Complaint Against an Agency?
We’ve all been there at one point or another. The telephone rings, and we don’t recognize the number. On the other end, a collection agency waits. This could happen multiple times a day. It’s often overwhelming and can be downright stressful. What can you do? The answer is simple: file a complaint. There are regulations in place to protect consumers from collection agency harassment.
The first step in filing a complaint against an agency is to speak with an experienced attorney. You’ll want someone who has experience with collection agencies. You file complaints with the Federal Trade Commission; to do this, you need someone with knowledge of the system and the paperwork. We can help. You may even choose to submit a complaint to the attorney general of your state. However far you wish to take this claim, we’ll be there, fighting by your side!
Can collections harassment occur even if I have no debt?
Yes. There are frequent examples of collection agency harassment taking place, where an individual has fully paid off their debts or is the subject of mistaken identity. Our attorneys can put an end to persistent phone calls and harassment.
Is a debt collector legally allowed to contact me late at night?
No. Calls before 8 a.m. or after 9 p.m. are prohibited by federal law unless the debtor has indicated these are convenient times for contact.
Can you get a debt collector to stop calling?
Yes. When a debtor has hired a lawyer, debt collectors are prohibited from contacting the individual unless the lawyer fails to respond in a reasonable time.
Contact a McKinney Collections Attorney to Get the Personal Support You Need
Let our firm help you build a strong case for your collections case with a free legal consultation. Call (972) 632-1300 for help with accidents and injuries in North Texas. Joe Lucé represents clients from Fort Worth, Sherman, Denison, and throughout Collin County, including McKinney, Plano, Frisco, and Allen.
