Debt Collector Harassment Lawyer in Oxnard, CA Putting an End to Debt Collector Harassment
If you are being harassed by debt collectors, you may feel like you are at the end of your rope. The constant phone calls and threatening letters can be overwhelming, and you may not know where to turn. Fortunately, help is available. The Fair Debt Collection Practices Act (FDCPA) was created to protect consumers from abusive debt collection practices, and I can help you enforce your rights under the law.
As an experienced debt collector harassment lawyer in Oxnard, CA, I have helped many clients put an end to harassing phone calls and letters. I understand the tactics that debt collectors use to try to collect a debt, and I know how to stop them. I will work tirelessly to ensure that your rights are protected and that the debt collectors are held accountable for their actions.
If you are being harassed by debt collectors, contact me today to schedule a consultation. I will review your case and advise you of your legal options. I am committed to helping you put an end to the harassment and get back on solid financial footing. Call the Law Offices of Eric Ridley today at (805) 244-5291 for a free initial strategy session and get the help you deserve.
What Are Common Reasons Why People Are In Debt?
There are many common reasons why people find themselves in debt. Some of the most common include:
- job loss or reduction in hours/wages
- unexpected medical bills
- divorce or separation
- credit card debt
- student loan debt
If you’re struggling with debt, know that you’re not alone. Millions of Americans are dealing with the same challenges. The good news is that there are options available to help you get out of debt and back on track. However, you may face harassment from debt collectors on your journey back. I can take legal action against these collectors and help you get the harassment to stop.
Can I Recover Compensation for the Harassment I’ve Dealt With?
You have a right to sue debt collectors who harass you and recover money for your damages. There is no fee if there is no recovery.
According to federal law, debt collectors and collection agencies must treat you with truth, fairness, dignity, and respect. Period. Any debt collector who crosses the line and abuses you for the collection of consumer debt can be sued for damages under the Fair Debt Collection Practices Act (FDCPA), and/or California’s Rosenthal Fair Debt Collection Practices Act.
Has your credit card company been calling you, harassing you, or threatening you? Are you being sued by a card company? Perhaps a collection agency is making threatening phone calls to your home or workplace. I represent clients in these and other jams, like:
- Collection agency abuses
- Car dealer fraud
- Truth in Lending abuses
- You bought a vehicle and discovered it had prior wreck damage
- Payday Lenders
Consumers are at the mercy of banks, auto dealers, collection agencies, and other predatory companies. If you’re in trouble because of these creeps, give me a call for your free consultation.
What Should I Know About Debt Collector Harassment?
The FDCPA prohibits many common collection practices such as:
- Tell someone other than you or your spouse details about your collection account(s) without prior authorization from you.
- Calling you at work after you have told the debt collector not to contact you at work.
- Threatening to take any action against you that they do not take or intend to take. (Examples include falsely threatening to take you to Court and falsely threatening to garnish your wages.)
- Falsely threatening to garnish your wages prior to a lawsuit being filed against you for the debt.
- Cursing, yelling, or using obscene and/or profane language.
- Repeated harassing phone calls including calling multiple times a day to annoy, abuse, or harass.
- Threatening to arrest or jail you.
- Impersonating court employees including judges, clerks, etc. This happens far more often than people realize.
- Impersonating law enforcement officers (Police, Sheriff, or federal agents).
Debt Collectors Are Prohibited From All of These Abusive Tactics:
- Threatening lawsuits, garnishment, liens, or arrest for not paying a bill
- Calling your family, friends, neighbors, or employers to collect a debt
- Leaving abusive phone messages
- Insulting, yelling, or swearing at you
- Calling your workplace after telling the collector not to call you there
- Lying, threatening, or otherwise harassing you in any way
If you have suffered from any of these abusive bill collection practices, you may be entitled to compensation. I can help any consumer who is currently in collections or has suffered from collection harassment. Call me today at (805) 244-5291 to speak with me about your collection harassment case.
What Should I Do If a Debt Collector is Abusing Me?
If you’re contacted by a debt collector, you have a right to dispute the debt verbally or in writing. If you want to preserve some rights under the FDCPA, you must send a written dispute within 30 days of your receipt of the first “validation notice” from the debt collector. Even if you owe the debt, or you cannot pay it, you still have rights under the FDCPA. Most of my clients owe the debt being collected, but because of financial circumstances, or a dispute over the goods or services, they cannot pay it. In order to preserve your rights under the law, it’s important for you to keep good records of all of your contacts.
Contact the Law Office of Eric Ridley Today for Compassionate and Helpful Service
During your free initial consultation, I will review all of the documentation and evidence you have to determine whether or not you have a claim. If I take your case, we will work together to stop the harassment and get the compensation you deserve.
If necessary, I can file a suit on your behalf against the debt collector for their violation of the law. I handle all FDCPA cases on a contingency fee basis which means that you don’t owe me anything unless and until I recover money for you. Call the Law Offices of Eric Ridley today at (805) 244-5291 for a free initial strategy session and get the help you deserve.