Top McKinney Collections Harassment Attorney
If you’re experiencing persistent collection calls and harassment from debt collectors, Lucé Law, PC is here to protect your rights. Our dedicated McKinney litigation attorneys have extensive experience fighting against unfair collection practices and ending creditor harassment. With over 35 years of legal experience, we are committed to securing fair compensation for North Texas clients. Contact our collections harassment attorneys today for a free legal consultation.
Debt Collection Harassment Services in North Texas
While debt collectors have the legal right to pursue legitimate unpaid debts, they must operate within strict legal guidelines established by federal and state law. The Fair Debt Collection Practices Act (FDCPA) defines the boundaries all collectors must adhere to while attempting to collect a debt. When collectors use illegal tactics in pursuit of a debt, our collections harassment attorneys can take steps to protect you and take action against the relevant agency.
Relief From Abusive Debt Collections Practices
It’s not always easy to know when a debt collector has crossed the legal line from legitimate collection into harassment, but understanding these violations will help you protect your rights. If you identify any of the following practices, our McKinney attorneys can hold collectors accountable for their actions.
- 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’ll take action right away to stop the abuse and move to file further actions against the creditor or collection agency when needed.
Debt Collection Rules and Prohibited Practices
The first step to stopping debt collection harassment is to learn the predatory and unlawful practices common among many agencies. These tactics are often intimidating and aggressive, causing considerable stress to people. Here are some of the most common examples you are likely to experience.
- Contact you before 8 a.m. or after 9 p.m.
- 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 it must have been limited to obtaining contact information).
- Threaten violence.
- Publish a record of your debt for any other party (save for a credit reporting agency).
- 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.
Debt Collections Harassment Lawsuits in McKinney
We help clients when disputes escalate into collections litigation lawsuits in Texas, Wyoming and Idaho. We defend 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 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, yet this is simply not true. The facts of the situation determine your case’s merit, and it is our 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 our litigation attorneys for a free debt collection legal consultation.
How Do I File a Complaint Against a Debt Collection Agency?
We’ve all been there at one point or another. The telephone rings, and we don’t recognize the number, but on the other end, a collection agency awaits. This could happen multiple times a day – it’s often stressful and even overwhelming. But what can you do? The answer is simple: file a complaint. There are regulations in place to protect consumers from collection agency harassment.
To get started filing a complaint against an agency with the Federal Trade Commission, first speak with an experienced attorney. You’ll want to choose someone experienced with collection agencies and a deep knowledge of the system and paperwork required. Know that we’re here to 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.
Beyond filing a complaint with the relevant agencies, Lucé Law, PC can also help you pursue legal action against collectors. As one of the litigation practice areas at our law firm, we have experience representing clients in disputes with unethical debt collection agencies and creditors. Where your rights have been violated, you could be entitled to damages and attorney fees.
Can collections harassment occur even if I have no debt?
Yes. There are many instances of collection agency harassment where an individual has fully paid off their debts, or is the subject of mistaken identity. Our attorneys can put an end to the 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 by calling (972) 632-1300 today. Lucé Law, PC represents clients from Fort Worth, Sherman, Denison and throughout Collin County, including McKinney, Plano, Frisco and Allen.
