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Fighting Back Against Abusive and Illegal Debt Collection Practices

One frequently cited reason why people seek advice about bankruptcy and other debt relief options is to avoid ongoing harassment from creditors. Whether a client needs to stop repossession of a vehicle or fight foreclosure on a primary residence, a bankruptcy attorney can explain the many legal options available.

As important as legal advice from a debt relief lawyer can ultimately be for a creditor, a few common sense tips can help those who are experiencing debt collection harassment:

  • Understand the basic legal rights of consumers under the Fair Debt Collection Practices Act and the protections provided by the Federal Trade Commission and other state and federal government agencies
  • Keep a close record of all conversations and correspondence with debt collectors to document abusive or unacceptable practices, and request a written statement that details the alleged debt
  • Demand the address of debt collectors who call repeatedly, and send a certified cease-and-desist letter to request that the calls stop

Private collection agencies often pick up debt from banks and credit card companies for pennies on the dollar and have everything to gain by hounding debtors. For that same reason, they can be amenable to settlements if the person who owes them takes a strong negotiating stance.

Most important of all, consumers should never depend on a harassing caller for honest information about their rights and obligations. A consultation with a bankruptcy lawyer can provide immediate insights into everything from debt settlement negotiations to the immediate relief provided by the automatic stay under U.S. and Arizona bankruptcy laws.

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Phoenix Office One
Wright Law Offices
2999 N. 44th St., Ste 600
Phoenix AZ 85018

Telephone: 480-845-0145 / 866-703-3287
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Wright Law Offices
668 N. 44th St., Ste 320
Phoenix AZ 85008

Telephone: 480-845-0145 / 866-703-3287
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7135 East Camelback Road, Ste 230
Scottsdale AZ 85251

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2238 S. McClintock Dr.
Tempe AZ 85258

Telephone: 480-845-0145 / 866-703-3287
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12725 W Indian School Rd, Suite E-101
Avondale AZ 85392

Telephone: 623-258-4480 / 866-703-3287
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Wright Law Offices
1129 Iron Springs Rd
Prescott AZ 86305

Telephone: 623-258-4480 / 866-703-3287
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4856 E. Baseline Rd.
Suite #104
Mesa, AZ 85206
Telephone: 480-845-0145 / 866-703-3287
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Wright Law Offices
20325 N. 51st Ave., Suite 134
Glendale, AZ 85308
Telephone: 623-258-4480 / 866-703-3287
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