Creditor Abuse and Your Rights

Are you a victim of creditor harassment? If so, you need to learn about your rights now to protect them in the future.

If a creditor has been calling your friends or family, this can often be seen legally as harassment. In general, the only time that a creditor can contact these people is if he/she is attempting to learn your location. A debt collector can also call your employer, but the questions he/she can ask are limited. In general, a debt collector can only ask about your location, whether you have medical insurance and the amount of your wages. By law, creditors can only call between the hours of 8 a.m. and 9 p.m.

Should a creditor ask you to pay an amount that doesn't seem correct, you have the right to ask for all documentation regarding your debt. This is a vital part of FDCPA law that protects both you and the debt collection agency.

Anytime you are facing creditor abuse or harassment, it is advised that you contact us to speak with a Chicago bankruptcy attorney who can offer you assistance.