CLICK FOR A FREE CONSULTATION

OR call us at 602-456-6085 today.

Being in debt is tough enough, but once creditors start harassing you with letters and calls with threats, can be downright terrifying.  However, you still have rights.  The Consumer Credit Protection Act (CCPA) is the biggest and most useful weapon in your arsenal.

Under the CCPA, the Fair Debt Collection Practice Act (FDCPA) gives you the power to stop collection agencies from contacting you altogether, however, this act does not apply to the company that originally loaned you the money.  The FDCPA outlines a number of other rules that collection agencies must live by or they become open to a lawsuit:

  1. A collection agency may not contact your family, friends, neighbors, or employer.
  2. Collection agencies are not permitted to call before 8:00 a.m. or after 9:00 p.m. in your time zone.
  3. Use of racial slurs, obscenities, insults, or unreasonable threats are out of the question.
  4. No collection agency or its employee can pretend to be an attorney or court employee or create any communication that would look like it came from one.
  5. No collection agency can threaten you with arrest for an unpaid debt.

In order to invoke this power, send a simple cease and desist letter to the collection agency stating that you no longer wish to be contacted about this debt.  If you have hired an attorney, you can instruct the collection agency to contact them. Any violations of the Fair Debt Collection Practices Act should be reported to the Federal Trade Commission at 1-877-382-4357.  In the end, some creditors will try to intimidate you in order to get their goals accomplished.  Just remember that you have options available and do not have to deal with any harassment during you difficult financial times.

Read more about our bankruptcy services…

Ways we can help…

Receive a FREE Consultation
Bankruptcy Attorney Clients

Receive a FREE Consultation

Use the form below or call us at 866-703-3287 today. We’re here to help.

Our Locations

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

    Telephone: 602-456-6085 / 866-703-3287
    Phoenix Law Office
  • Phoenix Office – Old
    Wright Law Offices 
    668 N. 44th St., Ste 320
    Phoenix AZ 85008 

    Telephone: 602-456-6085 / 866-703-3287
    Phoenix Law Office
  • Scottsdale Office 
    Wright Law Offices 
    7135 East Camelback Road, Ste 230
    Scottsdale AZ 85251 

    Telephone: 480-845-0145 / 866-703-3287
    Scottsdale Law Office

  • Tempe Office 
    Wright Law Offices 
    2238 S. McClintock Dr.
    Tempe AZ 85258 

    Telephone: 480-845-0145 / 866-703-3287
    Tempe Law Office

  • Avondale Office
    Wright Law Offices 
    12725 W Indian School Rd, Suite E-101
    Avondale AZ 85392 

    Telephone: 623-258-4480 / 866-703-3287
    Avondale Law Office

  • Mesa Office
    Wright Law Offices 

    4856 E. Baseline Rd.
    Suite #104
    Mesa, AZ 85206
    Telephone: 480-845-0145 / 866-703-3287
    Mesa Law Office

  • Glendale Office 
    Wright Law Offices 
    20325 N. 51st Ave., Suite 134
    Glendale, AZ 85308
    Telephone: 623-258-4480 / 866-703-3287
    Glendale Law Office

What our clients are saying…

TOP Rated PHOENIX BANKRUPTCY ATTORNEY

Mr. Wright and his staff were amazing. They made a negative situation a lot better and turned it into a positive. Could really tell they care helping people and I will refer their Phoenix Bankruptcy Attorney firm to friends and family. Thanks again.

Tara
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

I called around looking for the right bankruptcy lawyer and came across Benjamin Wright. He personally called me for the consultation seeing how I live in Kingman AZ. He was very helpful from the start and his staff was very friendly and explained any questions I had, sorry for all the questions. I would definitely recommend Wright law offices, and I do!! Thanks for everything, you made what seemed like a hard thing to do simple!! You guys rock!!!

Steffanie
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

Great lawyer, he really helped my mother out of a jam. She was totally new to bankruptcy and he talked with us for about an hour and a half to make sure she wouldn’t be worried.

Damian
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

Ben is a kind and down to earth attorney. He worked around my busy schedule as a single mom (school, full-time job, and daycare pick up and drop off times). He explained absolutely everything to me and was good about e-mailing. I am writing this review as a THANK YOU.

Shannon
TOP Rated PHOENIX BANKRUPTCY ATTORNEY

I had a very positive experience with Attorney Wright. He or his staff returned my e-mails and calls promptly (even after business hours occasionally). His fees were reasonable. He was patient with me when I showed up in court missing an important document. He is aggressive, but fair and nice.

Jenna