Savannah Creditor Harassment Lawyer
Have You Suffered Harassment by Debt Collectors in Savannah?
Falling behind on your financial obligations is a worrisome situation for most people. Wondering how you will make ends meet can lead to anxiety that results in sleepless nights, deteriorating personal relationships, and even poor health. This can be made even worse when you start getting those incessant phone calls and letters from debt collectors seeking payment. When you owe money to creditors, they have the right to take certain actions against you to recover that money. You should know, however, that they are regulated by state and federal law as to what behaviors they can engage in when seeking payment.
If you believe you have been subject to creditor actions that step over the line of persistence and into the territory of harassment, you should seek legal help. At the Law Offices of Mark A. Bandy, PC, we have helped countless Georgians with this issue. We can help stop creditor harassment and even pursue legal action against the offender on your behalf for damages. Our firm has focused most of its practice on debt issues for clients throughout the greater Savannah area resulting in 20 years of experience in this field.
Creditor Harassment Under the Fair Debt Collection Practices Act (FDCPA)
When you have fallen behind on paying your debts, the companies you owe have the right to pursue payment. Whether a financial institution or other agency, they will generally seek payment from an in-house department for a set period of time before your debt is turned over to an outside company, such as a collection agency. These outside companies are subject to collection practices as regulated by the FDCPA.
The FDCPA rules apply to debt being collected for credit cards, medical bills, student loans, car loans, overdue utility bills, or other financial obligations. When collection agencies engage in tactics designed to harass, intimidate, abuse, or coerce you into payment, they are in violation of the law. These tactics can occur by phone, text, email, or letter.
The following are some of the rules outlined in the FDCPA pertaining to debt collectors:
- they cannot call you incessantly for the purpose of annoyance or abuse; their calls cannot be made before a specific time in the morning or after a specific time at night
- they cannot use profane or obscene language
- they cannot threaten you either verbally or physically
- they cannot tell you court actions have occurred when they haven’t
- they cannot threaten to have you arrested by law enforcement
- they cannot continue to contact you when you have requested by mail that they stop
- they cannot call you at work when you have expressly asked them not to do so
- they cannot contact third parties about your debt, such as relatives, friends, or neighbors
- they must identify themselves each time they contact you
- they must inform you they are a debt collector and also identify the original debt and creditor
- they must inform you of your right to dispute the debt
- they must follow up their initial contact with a written notice within five days
If you believe you have been subject to any violations of the FDCPA, you should collect evidence and contact our Savannah creditor harassment attorney for help. Debt collectors who violate the law can be sued in civil court. You may be able to recover up to $1,000 in damages along with court costs and legal fees.
If you are in a bad place financially, have lost all hope, and feel there is no one out there to turn to, then please reach out to Mr. Bandy before you make any other decisions. He will get you the relief and guidance you are looking for.- Crystal
He helped us stay calm and positive throughout the whole experience.- Faith
He answered all my questions and made the whole situation go smoothly.- J.C.
Mark was very patient with my questions, answered them thoroughly and his recommendations were accurate and proved true.- M.A.
After reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms.- Ben
Flexible & Affordable
We offer free consultations, weekend, after-hour, and virtual appointments for your convenience.
We are accessible to our clients and are here to answer all questions throughout the process.
When you retain us you can rest assure you will receive excellent representation and the best possible outcome.
Attorney Mark A. Bandy has over 20 years of experience successfully handling bankruptcy filings in Savanna.