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Michigan Creditor Harassment Solutions

Understanding Your Rights Against Creditor Harassment

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collection agencies from harassing debtors and requires them to adhere to strict collection guidelines. Are you being contacted by collection agencies seeking payment on the money they are owed? Knowing your rights can prevent abuses, and help reduce any stress you may be experiencing from unethical collection practices.

FDCPA Laws Forbid Creditors From:

  • Engaging in false, misleading or deceptive representation
  • Making threats
  • Using derogatory or obscene language
  • Making repeated phone calls
  • Falsifying information any information regarding the money you owe
  • Contacting you directly when you are represented by an attorney
  • Calling before 8:00 a.m. or after 9:00 p.m. at night
  • Contacting you at work if your employer prohibits collection calls
  • Continuing to contact you after being notified in writing not to

Creditor harassment is a serious matter and should be addressed immediately when it occurs. The best person to speak with regarding creditor abuse is a Michigan bankruptcy attorney who is well-versed in FDCPA legislation. A bankruptcy lawyer will know how to protect your rights and what to do to stop the harassment.

What Constitutes Harassment by Debt Collectors?

The FDCPA does not specify how many times until it is considered harassment. If you are being called multiple times of the day or are being called without your consent it is important to know your rights against debt collectors that harass you for payment or information.

Defend Your Rights Against Creditor Harassment

Dealing with constant calls and harassment from debt collectors can be overwhelming and stressful. At Hensel Law Office, PLLC, we understand the impact that creditor harassment can have on your life and we are here to help. Our experienced Sterling Heights bankruptcy lawyers are dedicated to protecting your rights and providing you with the legal support you need to put an end to creditor harassment.

When you choose our firm to handle your situation, we will:

  • Review your situation and assess the validity of the debt
  • Communicate with creditors on your behalf, ensuring that they abide by the law
  • Help you understand your rights under the Fair Debt Collection Practices Act (FDCPA)
  • Explore legal options to stop creditor harassment, such as filing for bankruptcy if appropriate

Your Trusted Sterling Heights Bankruptcy Lawyer for Michigan Residents

You should never allow a debt collection company to get away with abusive behavior. Financial problems can cause considerable worry and unlawful collection tactics will only add to your anxiety. My firm, Hensel Law Office, PLLC, provides aggressive representation in cases involving creditor harassment. I will never allow any of my clients to be beaten down by a company violating FDCPA statutes. I offer a free consultation and will act quickly to put an end to the abuse.

Please call my office today if you live in Madison Heights, Royal Oak, Sterling Heights, Clinton Township or Warren to find out about your consumer rights.

Client Testimonials

  • Mr. Hensel walked me through every step.

    “I would highly recommend the Hensel Law Office!! Mr. Hensel walked me through every step, got my garnishments stopped very quickly (even got garnished wages returned to me!) and told me what to expect along the way. He answered all of my questions in a very timely manner- no matter what time I sent an email or gave him a phone call. Also, I felt his price was very reasonable compared to some of the other places that I called. Mr. Hensel answered plenty of questions that I had before I even became a client.”

    Carl

  • Utmost dedication and professionalism.

    “I chose to work with Tom Hensel after meeting with several big name firms in the area. Tom handled my unique situation with the utmost dedication and professionalism. The personal service I received from him made all the difference in my case. My only regret is that I didn't call him first.”

    Craig

  • I greatly appreciate your time and effort.

    “It was a great pleasure and relief working with you through that tough time. I greatly appreciate your time and effort on our case. I will gladly and confidently recommend you to anyone I know facing a tough financial time requiring your expertise.”

    Jay

  • Tom was the most professional.

    “I researched 3 attorneys before signing with the Hensel Law Office for my bankruptcy proceedings. Tom was the most professional and he explained all of my questions without trying to make a quick buck on me. I would recommend Hensel Law Office to my friends or family going through a similar difficult situation.”

    Jerry

  • You made a difficult experience so much easier.

    “Back a few years ago, you helped me through a bankruptcy. I still tell people how you made a difficult experience so much easier, with your clarity, support, and friendly approach to the law. I'm still very appreciative for all your help – it really helped to pull me out of a difficult place and put my life back on track.”

    Eric