We're in this Together Professional Guidance Through Consumer Protection Matters

Debtor's Rights Attorneys in Birmingham

Protecting You from Harmful Debt Collection Practices

Often, debt collectors and collection agencies will bully or threaten debtors who owe them money in an attempt to collect. They may make a debtor feel as though they have no options or no rights and that the collection agency is in control. They might also call at all hours of the day or night, harass, or even verbally abuse debtors in an effort to get their money. Unfair debt collection practices can make a debtor feel intimidated or forced to pay money they do not have. These practices are illegal, and a skilled Birmingham debtor’s rights attorney at Spellen Law can help protect you if you find yourself in an uncomfortable situation.

Call Spellen Law at (205) 810-2275 today for quality representation with your best interest in mind.

Upholding Your Rights as a Debtor

Even though a debtor owes someone money, that does not mean that they are stripped of all rights. In reality, debtors have many rights that must be acknowledged by creditors and debt collectors.

For example, you have the right to:

  • Be served with legal papers before a debtor can obtain a default judgment against you
  • Have a legal hearing before a judgment is made against you
  • Not be harassed by any creditor or debt collector
  • Know what you owe, when you incurred the debt, who the original creditor was, and the terms of collection
  • The opportunity to resolve your debts

At Spellen Law, we have worked with many individuals who have been subjected to creditors and debt collectors who violate their debtor rights. Our attorneys understand the laws that creditors must abide by and can help you resolve your debt without the harassment, abuse, threats, or intimidation.

Dealing with Abusive Debt Collectors

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors and creditors cannot abuse you no matter how much money you owe or how old the debt is. Unfortunately, many of them fail to follow the laws set forth in the FDCPA and display abusive behavior towards consumers in an effort to collect on a debt.

Examples of abusive debt collection practices include but are not limited to:

  • Calling you repeatedly
  • Using abusive language, yelling at you, or insulting you
  • Using profanity when speaking to you regarding your debt
  • Calling you before 8:00 in the morning
  • Calling you after 9:00 in the evening
  • Threatening to tell your employer or other people that you owe money
  • Accusing you of committing a crime by not paying

Unfortunately, there are many debt collectors who exhibit abusive debt collection practices. If you have been the victim of such behavior, you may feel anxious, guilty, and unsure of where to turn. It is important that you contact a seasoned Birmingham consumer law attorney who has experience working with abusive creditors.

Spellen Law has represented a number of individuals against unscrupulous and abusive creditors and has successfully stopped the abusive debt collection and the harassing phone calls. We are ready to do the same for you.

Call us at (205) 810-2275 to learn more about how we can help protect you from abusive debt collection practices.

Contact Spellen Law

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