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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 they think owe money in an attempt to collect. Such unfair and abusive tactics are used to make debtors feel as though they have no options and that they are without legal rights.  Collection agencies may use unfair practices such as calling at inappropriate hours or using harassing and abusive language in effort to threaten, intimidate, and take advantage of debtors. Please contact Spellen Law if you feel that you are the vicim improper or abusive debt collection practices so that a skilled Birmingham debtor’s rights attorney can help you to understand your rights under the law.  We are here to represent your interests if you are a debtor.

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Debt Collection Attorney

Upholding Your Rights

as a Debtor

Even though debtors owe money, that does not mean that they are stripped of all rights. In reality, debtors have many rights under the law that must be acknowledged by creditors and debt collectors.

For example, you have the right to:

  • Be served with legal papers before a creditor 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 debtor rights. Our attorneys understand the laws protecting debtors and can help you resolve these issues.

Dealing with Abusive Debt Collectors

Under the Fair Debt Collection Practices Act (FDCPA), debt collectors and creditors cannot abuse you regardless of the amount of  money you owe or the age of your debt. Unfortunately,  debt collectors often 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 may 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 a.m.  in the morning

  • Calling you after 9:00 p.m.  in the evening

  • Threatening to tell your employer or others that you owe money

  • Accusing you of committing a crime by not paying

 If you feel that  have been the victim of such behavior, you can feel confident  that our seasoned Birmingham consumer law attorneys have the benefit of  knowledge and experience  to represent you against these unscrupulous tactics.  We have  successfully stopped  abusive debt collection practices for our clients while they resolve their debt. We are ready to do the same for you. Contact us today!

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