What is Considered Creditor Harassment?

If you have fallen behind on your bills, you may notice that your creditors are starting to call you to collect the debt that you owe.  While creditors are allowed to contact you to make collection attempts, it is important to know when they are acting in ways that violate the law.

According to the Fair Debt Collection Practices Act (FDCPA), creditors are not allowed to engage in collection practices that are considered "abusive or deceptive."  For example, a creditor cannot call a person's residence during odd hours, threaten a debtor, or say that he/or she will take legal measures that are not legitimate.  Additionally, creditors may not call a debtors employer, family, friends, or neighbors to collect debt as the law prohibits such third party communication.

Do you have reason to believe that you are a victim of creditor harassment in Illinois?  If so, do not wait to contact our law office to seek assistance from a Chicago bankruptcy attorney who can put an end to such abuse.