Creditor Harassment

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St. Paul Creditor Harassment Attorney

Representing Minnesota Consumers Protected by the Fair Debt Collection Practices Act

Have you been harassed by debt collectors? Debt harassment includes debt collectors calling you multiple times a day, yelling at or threatening you, and reaching out to your friends, family members, or employer without your consent. These practices are illegal under the Fair Debt Collection Practices Act (FDCPA) and yet they continue to happen to thousands of people every day in the United States. Debt collectors try to take advantage of the vulnerable state many people in debt experience in the hopes that they are not aware of their rights and will cave under the pressure to pay.

Fortunately, even people who owe money have rights, no matter how large their debt or how late their payments. If a collector crosses the line, you could be entitled to up to $1,000, reimbursement of actual damages, and payment of the attorney fees and costs for bringing the lawsuit. Our St. Paul creditor harassment attorneys at Rob Roe Law, LLC can sue the debt collectors to stop the harassment and recover what you are entitled to.

Don’t let debt collectors get you down. Call our creditor harassment attorneys today at (888) 492-9614 or write to us online to schedule your free consultation.

Your Rights Under the Fair Debt Collection Practices Act (FDCPA)

The FDCPA limits actions that debt collectors can take when asking for money. It bars any form of unfair, abusive, and deceptive collection practices from any individual or entity that regularly collects debts owed to others, such as collections agencies.

Such practices include, but are not limited to, the following:

  • Misleading or outright lying to you
  • Calling you at work after you asked them not to
  • Calling you when they know you have retained a lawyer
  • Calling your friends, family, employer, coworkers, and/or neighbors about your debt
  • Telling you that you can go to jail if you do not pay
  • Threatening to sue you when they have no intention or authority to do so
  • Yelling, name-calling, and using inappropriate language
  • Any other conduct that is unfair, undignified, and/or disrespectful

When a debt collector violates the FDCPA by engaging in such behavior, you have the right to sue them. If your lawsuit is successful, you could receive up to $1,000, any actual damages that you suffered, your attorneys’ fees and the costs of the lawsuit. Basically, you can sue the debt collector at no cost.

How to Protect Your Rights

To protect your rights under the FDCPA, you will want to save and record as much information related to the debt collection as possible. Ideally, you will want to build a traceable paper trail detailing the collections agency’s behavior. However, this can be difficult if you are receiving phone calls from debt collectors rather than mail—but far from impossible.

If you are being contacted by debt collectors, do the following:

  • Save every letter you get from a debt collector, including the envelope
  • Take detailed notes of every conversation you have with a debt collector
  • Record your conversation with the debt collector
  • Save any voicemails left by debt collectors
  • Talk to a lawyer to understand your rights in detail and learn what steps to take next

Call (888) 492-9614 to Stop Creditor Harassment

At Rob Roe Law, LLC, we have been standing up for the rights of victims for 25 years. We believe that an individual who has been affected by the actions of another should not be the one to bear the responsibility of those actions. We will take on your creditors on your behalf and enforce your rights.

Contact Rob Roe Law, LLC now to schedule your free consultation.

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    Rob opened his own personal injury law firm in 2001 to serve people who had been injured physically and emotionally, many of whom were hurting and unable to work or lead the life they once had. Although he acknowledges he can't solve every problem, he can try to make life much easier for his clients.

    "I listen to each client's challenges and do my best to give them hope for a better future. I worry about my clients and try to help them make decisions that improve their lives; I like the interaction with my clients and truly care about what happens to them. That is what makes me a good advocate as well as a good attorney."

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