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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

  • Professional, competent, empathetic attorney.

    “My husband and I were forced into a position to file for Chapter 7 bankruptcy. We were devastated and mortified that we had to choose that route, but Tom eased our stress about the filing and court hearing process, as he thoroughly explained what Chapter 7 entails, as well as exactly what to expect during and after the filing process; he was accurate on each point that he advised us on. Tom also kept in frequent contact with us and responded quickly to any questions or concerns that we had while we worked with him. Tom's expertise and tact was invaluable for us, and we will absolutely recommend him to any of our friends and relatives that may find themselves in similar positions to ours. Thank you, Tom, for your dedicated help during this process.”

    EJO

  • 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

  • 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

  • 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

  • He is respectful and down to earth with his approach to very complicated legal matters.

    “Hensel Law Office has helped me during a very difficult time in my life. Tom has done a wonderful job with my Chapter 13 case. He always kept in touch with me and explained everything in terms I could understand. I would highly recommend Mr. Hensel to anyone who is facing any bankruptcy filing. He is respectful and down to earth with his approach to very complicated legal matters.”

    Sandra