Debt Collection Harassment
Our Texas debt collection harassment lawyer helps consumers sue creditors and collection agencies for abusive debt collection. Even if you actually owe a consumer debt, debt collection harassment laws still protect you. Debt collection harassment or abusive debt collection is not permissible under federal and state law.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that requires debt collectors to treat you with truth, fairness, dignity, and respect. The FDCPA was enacted to protect consumers and eliminate abusive debt collection practices by third-party debt collectors attempting to collect consumer debts. You have a right under the FDCPA to sue abusive debt collectors for their violations of the law.
Texas law also protects consumers. The Texas Debt Collection Act (TDCA) allows consumers to sue both original creditors and third-party debt collectors who engage in unfair debt collection practices. Under the TDCA, a consumer can also seek injunctive relief to prevent further violations for collection harassment by original creditors and debt collectors.
What Are The Commons Signs Of Debt Collection Harassment?
Under the FDCPA, some of the most common collection harassment violations committed by debt collectors include:
- Using obscene or profane language during any telephone call
- Placing telephone calls to consumers prior to 8:00 a.m. or after 9:00 p.m.
- Placing telephone calls to you at your workplace when you have requested that the debt collector not call you at your workplace
- Discussing your debt or threatening to discuss your debt with friends, family, employers, landlords, etc.
- Threatening to arrest you or falsely claiming to be court officials or have law enforcement powers
- Threatening physical violence against you when attempting to collect a debt
- Making an unreasonable number of telephone calls in order to annoy you
- Continuing to call you after you have requested that the debt collector no longer call you
- Making threats to take your property or threatening to garnish your wages
- Attempting to collect fees or interest not allowed for by law or by contract
This is not an exhaustive list. If you believe you have been subjected to abusive debt collection practices by a third-party debt collector, you may contact us at 806.475.0150 for a free case evaluation. Lubbock debt collection harassment attorney Kyle S. Deese is here to help Texas consumers. You’ll be able to schedule a time to speak with Kyle and get answers to your questions. Kyle can also determine whether your rights have been violated by original creditors under the Texas Debt Collection Act.
What Does It Cost To Hire Our Texas Collection Harassment Lawyer?
The short answer is there are generally no out-of-pocket costs when hiring Kyle S. Deese as your Texas debt collection harassment attorney. In fact, there is no fee whatsoever if Kyle does not win your lawsuit or reach a favorable settlement with your debt collectors or creditors.
If a debt collector violates the FDCPA, consumers have the right to sue for up to $1,000 in statutory damages for collection harassment, plus actual damages, reasonable costs, and attorney’s fees. Texas debt collection harassment laws also allow consumers to recover actual damages, statutory damages of $100 per violation for certain violations, and attorney’s fees and costs.
This means the debt collector or creditor must pay your court costs and attorney’s fees if Kyle S. Deese wins your lawsuit. If you agree to settle your case, Kyle will be reimbursed for any advanced litigation costs and paid a portion of the total recovery in your case.
Kyle fights hard to protect consumers’ rights and will work to end illegal debt collection harassment. We encourage consumers who live in or near Lubbock, Abilene, San Angelo, Midland, Odessa, Amarillo, Wichita Falls, Arlington, Fort Worth, or Dallas to contact us today at 806.475.0150 to schedule a FREE Potential New Client Phone Consultation.