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Stopping Creditor Harassment

Are you dealing with creditor harassment in Michigan?

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 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.

Sterling Heights Bankruptcy Lawyer Serving All of Michigan

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

  • Thank you very much for getting us through this very hard time in our lives.

    “I just wanted to thank you very much, for getting us through this very hard time in our lives. You did an excellent job. If anyone I know is in need of a lawyer, we will surely give them your name. Again thanks.”

    John and Linda

  • 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

  • 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

  • Tom Hensel is definitely the right attorney to call!

    “I was referred to Tom Hensel by a friend. My first impression was not only was Tom professional but he's so kind and caring too. He helped my husband and I through an embarrassing, scary situation and definitely made it more positive one. He guided us through our options and helped us make the right decision for us which ended up being a chapter 7 bankruptcy. Tom was so knowledgeable and helped us throughout the whole process. He never once made us feel uncomfortable or dumb when we had questions. He was also very easy to get a hold of when questions would come up and would always return our calls and emails promptly. I strongly recommend Tom to anyone going through this kind of financial nightmare. Do yourselves a favor and call him right away. He will help you get on the right path again. Our only mistake was waiting so long to call him!! When we in court waiting our turn all the other attorneys referred to their clients as "The debtors" Tom on the other hand acknowledged us by our names. Little things mean a lot and that left a lasting impression with us. Tom Thank You again for all your help!!”

    Stacy S.

  • 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