Creditor Harassment Attorney in Baltimore, MD

Assisting Clients With Creditor Harassment in Maryland

Do you receive phone calls from creditors demanding payment? Are you receiving letters from creditors demanding payment? If so, you might be a victim of creditor harassment. As experienced Baltimore credit lawyers, we can help you put an end to this and protect your rights.

Sanchez Garrison & Associates can help you file for Chapter 7 or Chapter 13 bankruptcy, which may help put an end to any harassing tactics used by creditors. With bankruptcy, you can get rid of most of your debt and stop receiving phone calls and letters from creditors. If you are struggling with debt, contact us, and we will assist you in making the best decision possible based on your financial position.

Call Sanchez Garrison & Associates today at (410) 406-7372 or contact us online to learn more from our qualified creditor harassment lawyers in Baltimore.

What is Creditor Harassment?

Creditor harassment refers to the aggressive and unlawful tactics creditors or debt collectors use to pressure individuals into paying off their debts. While creditors have the right to pursue debts owed to them, they are required to do so within the boundaries of the law. Unfortunately, some creditors engage in harassing behavior that violates debtors' rights.

Is Creditor Harassment Legal?

Creditors are allowed to contact you in order to try to collect on a debt. However, there are rules and regulations in place to protect you from harassment. If you feel that you are being harassed by a creditor, you may be able to file a complaint against them.

Under the Fair Debt Collection Practices Act (FDCPA), creditors are prohibited from:

• Using threats of violence
• Using obscene language
• Publicizing the fact that a consumer has a debt
• Using any false statements
• Using any name other than the name under which the creditor is doing business
• Continuing to contact a consumer with an expired debt
• Contacting a consumer at their place of employment if the employer has told the creditor not to contact them there

If you feel that you are being harassed by a creditor, you can file a complaint against them. Our experienced creditor harassment attorney in Baltimore can help you put an end to creditor harassment.

How Can Bankruptcy Stop Creditor Harassment?

If you are being hounded by debt collectors, filing for bankruptcy may be able to put an end to this harassment. When you file for bankruptcy, you can get the relief you need by eliminating debt and putting an end to continuous phone calls and letters from creditors.

Some of the debts that you can eliminate through bankruptcy include the following:

• Credit card debt
• Foreclosures
• Leases
• Medical bills
• Personal loans
• Utility bills
• And more...

Once you file for bankruptcy, creditors will be required to stop all collection attempts. They must also provide you with certain information about your debt, including the name of the creditor, the amount of the debt, and how it will be discharged if you file for bankruptcy.

Protecting Your Rights Against Creditor Harassment

If you are undergoing creditor harassment, it is essential to understand that you have rights protected by federal and state laws, including the Fair Debt Collection Practices Act (FDCPA) and the Consumer Financial Protection Act (CFPA). These laws prohibit creditors from engaging in abusive, deceptive, or unfair practices when collecting debt. At Sanchez Garrison & Associates, our Baltimore creditor harassment lawyers are here to help you assert your rights and end harassing creditor behavior. We will work diligently to:

• Assess Your Situation: We will review the details of your case, including the nature of the harassment you have experienced, to determine the best course of action.
• Cease and Desist Letters: We can draft and send cease and desist letters to your creditors, demanding that they stop all forms of harassment immediately.
• Debt Validation: We will help you request debt validation from your creditors to ensure that the amount demanded is accurate and legitimate.
• Legal Action: If necessary, we will not hesitate to take legal action against creditors who continue to harass you in violation of the law. This could include filing a lawsuit to pursue damages for any harm caused by the harassment.
• Representation: We will provide dedicated representation and support throughout the process, keeping you informed of your rights and options.