Chicago Creditor Harassment Lawyer
Are you being harassed by creditors in writing or over the phone after your debts have been discharged? Have you become aware of incorrect and negative errors on your credit report? This is not only a nuisance but it is also an infringement on your rights! After you file for bankruptcy or receive a debt discharge, you have the right to be protected from the harassment and tactics of creditors. Our Chicago consumer lawyers at Atlas Consumer Law are passionate about protecting the consumer rights of the men and women we serve in Chicago, Illinois.
- We are well versed in matters falling under the following laws:
- Fair Credit Reporting Act
- Fair Debt Collection Practices Act (FDCPA)
- Real Estate Settlement Procedures Act
- Illinois Consumer Fraud Act
- Telephone Consumer Protection Act
Each one of our clients have the option to seek our protective services through our Protect The Discharge program. If we find that their rights are being violated under one of the laws previously mentioned, we are ready and willing to file lawsuits against at-fault creditors. Being harassed by creditors after debt discharge is an unlawful nuisance, which should not be tolerated!
- Did you know…It’s harassment if a creditor calls you after 9:00 pm? Creditors aren’t allowed to harass you on the phone, but that includes more than incessant phone calls and abusive or profane language. By law, creditors can’t call you after 9:00 p.m. or before 8:00 a.m., either. If you do receive phone calls from a creditor outside permitted calling hours, speak with a consumer protection attorney immediately to learn more about your options.
- Did you know…Creditors aren’t allowed to call you at work if you’ve asked them to stop? The FDCPA (Fair Debt Collection Practices Act) outlines when, where, and under what circumstances creditors are allowed you contact – specifically, over the phone. In fact, creditors can’t call you at work if you tell them to stop calling because your employer doesn’t want you to receive those types of calls. In other words, it isn’t specifically unlawful for debt collectors to call you at your place of employment, but it is illegal for them to call you if they have any reason to believe your employer doesn’t want them to.
- Did you know…It’s illegal for creditors to talk to your family and friends about your debt? Creditors might think they can call your family and friends as a scare tactic to get you to pay, but this is completely illegal. According to the FDCPA, it’s okay for creditors to contact your friends and family if they’re simply looking to find you. They can’t, however, divulge your private financial information or even insinuate that you have an unpaid debt; this is a violation of your right to privacy. Additionally, the FDCPA has certain restrictions that collectors have to follow when contacting your family members and friends, such as the number of times they can call.
Chicago Consumer Attorneys Taking a Stand for Your Rights
Our firm is proud of our A+ Rating with the Better Business Bureau and to have a principal lawyer who has a 10.0 Superb Avvo Rating! We are aggressive and tireless when protecting the rights of our clients, inside and outside of the courtroom. We will personally handle all the details of your post-discharge matter and employ our solid litigation skills in order to pursue justice on your behalf before the statute of limitation expires.
Contact our legal team today for more information about our post-discharge program.