Detroit Debt Collection Harassment Lawyer

Dealing with debt is challenging enough without the added stress of harassment from debt collectors. Many individuals find themselves overwhelmed by persistent phone calls and threatening letters, unsure of how to protect their rights. Debt collection harassment is not just stressful—it is illegal. At The Liblang Law Firm P.C., we stand ready to defend your rights and help you reclaim peace of mind. Our Detroit debt collection harassment lawyer works hard to hold debt collectors accountable for harassment and abuse.

Understanding Debt Collection Harassment

Debt collection harassment occurs when debt collectors use abusive, deceptive, or unfair practices to collect on debts. The Fair Debt Collection Practices Act (FDCPA) was enacted to prevent such maltreatment, but unfortunately, violations still occur. These violations can manifest in various forms, causing significant emotional and financial distress to individuals.

Signs of Debt Collection Harassment

Recognizing the signs of harassment is the first step toward protection. Here are a few common indicators that you might be experiencing unlawful debt collection practices:

• Repetitive Phone Calls: Receiving calls at all hours of the day, especially those intended to annoy or intimidate.
• Threatening Language: Any threats of violence or harm, or using obscene language.
• Misrepresentation: Debt collectors falsely claiming to be attorneys or threatening actions they cannot legally take.
• Public Shaming: Publishing lists of individuals who haven’t paid their debts, excluding credit reporting.
• Contacting Third Parties: Reaching out to your friends, relatives or employer to discuss your debts, which is a violation of your privacy rights.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act empowers consumers by providing a framework of rights against harassment. Under the FDCPA:

• Debt collectors are prohibited from calling before 8 a.m. or after 9 p.m., unless you agree to it.
• You have the right to demand a halt to communication by sending a written request.
• Collectors must identify themselves and provide truthful information about the debt.
• Harassment, oppression or abuse is strictly forbidden.

Understanding these rights can significantly reduce the anxiety associated with dealing with debt collectors. Our attorney at The Liblang Law Firm P.C. can guide you through the process of asserting these rights effectively.

Compensation for FDCPA Violations

If a debt collector violates the FDCPA, you have the right to take legal action. Filing a lawsuit can result in:

• Statutory Damages: Up to $1,000 per lawsuit, irrespective of the actual damages incurred.
• Actual Damages: Compensation for emotional distress or lost wages due to unlawful practices.
• Attorney’s Fees and Costs: Often, the debt collector is required to cover your legal expenses, making it feasible to pursue justice without financial strain.

Our skilled attorney is adept at navigating these cases, helping you pursue the maximum compensation allowed by law.

Contact Our Detroit Debt Collection Harassment Lawyer Today

Debt collection harassment can be debilitating, but you don’t have to face it alone. The Liblang Law Firm P.C. is here to advocate for you. With a proven track record in protecting consumer rights, our Detroit debt collection harassment lawyer is dedicated to helping you regain control. Contact us today for a free case review, and let us help you put an end to the harassment. Your peace of mind is our priority.