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.

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    • Phoenix Office – New
      Wright Law Offices 
      2999 N. 44th St., Ste 250
      Phoenix AZ 85018 

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

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      7135 East Camelback Road, Ste 230
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      Glendale, AZ 85308
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    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