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.
Harassed by creditors? Phone the Law Offices of Mark A. Bandy, PC at (912) 331-4501 to arrange for a free consultation. You can also reach us through our online message form.
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.
Need to discuss your case? Call us at (912) 331-4501 or contact our firm online for legal assistance today.
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Real Client Stories
Hear From People We Have Helped
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I have been an attorney for over 40 years and was very impressed with Mark. If you are considering bankruptcy do yourself a favor and call Mark. His expertise in Bankruptcy allowed him to guide me through my Chapter 7 seamlessly and without delay. Mark was very patient with my questions, answered them thoroughly and his recommendations were accurate and proved true. He was empathetic, nonjudgmental, and put me at ease throughout this entire process. When the Trustee's Office raised a concern, Mark answered their inquiry and kept my case on track. Mark and his office staff were always courteous, knowledgeable, and returned my calls/ emails quickly. His fees were extremely reasonable. No one wants to be in a position of needing to file for bankruptcy. When I was faced with that situation, I was glad Mark was there to help me. I have also appreciated his advice concerning several post bankruptcy matters. Mark will skillfully help you through this minefield of the law and put you in a position to go forward. If you need a bankruptcy attorney, you will be glad you called Mark Bandy.- M.A.
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I was referred to Mark A. Bandy by my friend Laurie T. for my bankruptcy. From the very moment I called Mark he was very friendly, extremely helpful, and thorough! Whenever I contacted Mark with any questions he got back to me very quickly and he never left me hanging. Mark made my bankruptcy a breeze to go through. He made my stressful situation a comforting one, always putting my concerns at ease. Mark A. Bandy is by far the greatest attorney I ever dealt with. I will most definitely use him again if I need to! Thank you Mark for giving me my life back and giving me a fresh start!- Gwendolyn S.
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Called several places and they gave me the runaround. Basically, they told me, “This is the price. Come in and we will see what we can do.” I called Mark’s office after 4 other places. Initially I got a voicemail so I left one. He immediately called back, asked me thoughtful questions, and answered my many, MANY questions. He got me started and was willing to work with my situation. Mark’s office was professional and sincere from day one and has been there every step of the way. His assistant Shannon was super knowledgeable and helpful when I came in for my initial appointment and accommodated our crazy schedule. They both kept us informed. They walked us through each part step-by-step and made this terrifying process less scary. Despite my relentless emails and calls, asking question after question, they always replied thoughtfully and promptly. No one wants to go through this, but if you must, Mark Bandy is 100% the person to go to! We will forever be grateful!- T.C. P.
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When my husband and I decided to file for bankruptcy we were very nervous. A friend of our family suggested we talk to Mr. Bandy. I am so glad we did! He explained things very well and helped us feel comfortable before and during the whole process. He and his staff stayed in close contact with us, and whenever we had questions they were always easy to contact. He helped us stay calm and positive throughout the whole experience. I highly recommend him to anyone who is considering bankruptcy.- Faith
