Creditor Harassment

Are Debt Collectors Harassing You Because Of Credit Card Debt?

Houston consumer bankruptcy attorney Vicky Fealy has, for more than 18 years, protected consumers against the unfair practices of abusive and harassing debt collectors creating a positive difference in the lives of her clients facing collection agencies hounding them for debt related to student loans, mortgage loans, car loans, state and federal taxes or consumer credit cards in all counties surrounding Houston. If you are struggling with a collection agency, contact Vicky for legal help today

Ms. Fealy is one of a limited number of Texas Board Certified Consumer Bankruptcy attorneys in the Houston area.

Consulting with Vicky can be one of the most important decisions you make if you are facing stressful financial difficulties due to credit card debt, creditor harassment or IRS problems. Debt consolidation may be your answer so call Bankruptcy attorney Vicky Fealy for a free consultation.

CREDITOR HARASSMENT

A lawyer can stop creditor harassment. Once you file for bankruptcy all collection attempts by creditors must cease. A lawyer may also prevent a creditor from attempting illegal collection methods. Collection agencies are paid a percentage of what they collect; therefore the more they collect the more they get paid. Because the industry is based on this commission sometimes the only way you can stop creditor harassment is through legal action.

Creditor harassment is when a bank or other business acts in a manner that is harassing, oppressive or abusive in connection with the collection of a debt. Because they are directly trying to collect the debt, creditor harassment does not fall under the Fair Debt Collection Practices Act. However, there are other consumer credit laws that protect you.

Here are some examples of debt collection harassment:

• Debt collector threatens to hurt you if you don't pay your bills.
• Debt collector comes to your house and damages your personal property.
• Debt collector starts swearing/using obscene language over the phone.
• Debt collector threatens to send you to jail if you don't pay your bills.
• Debt collector keeps calling you on the phone, harassing you to pay the bill.

Note: if the debt collector calls and doesn't get you and calls back in an attempt to reach you, this scenario does not constitute debt collection harassment.

Debt Consolidation:
Contrary to popular belief, debt consolidation is not a loan. Debt consolidation is a process in which debt is restructured into one low monthly payment. It further enables a consumer to reduce the amount owed and thereby eliminate interest. Very often a consumer can detect warning signs of being in too much debt long before any collection notices are received. If more than two of the following signs apply to you, you are probably in too much debt:

• You have begun charging to your credit card essential expenses like food and daily expenditures
• You are making only the minimum payments on your credit cards each month
• You are near the limit of your credit cards
• You have too many credit cards

You are unsure how much money you owe creditors.

Bankruptcy Fraud:
Bankruptcy fraud is a business crime of filing for bankruptcy with criminal intent, that is with the intention of evading payment for goods even though the buyer has funds that could be used to pay for them, or accepting payment for goods or services but not supplying them. Common types of bankruptcy fraud include petition mills, false oath, concealment of assets, and fraudulent conveyance. Multiple filings are not per se fraudulent; as with all things in the law, it depends on the circumstances. Bankruptcy fraud should be distinguished from strategic bankruptcy, which is not a criminal act (but may prejudice a judge against the filer if there is evidence that bankruptcy is being used strategically).

Here is the list of counties we serve: Harris, Fort Bend, Brazoria, Montgomery, Chambers, Galveston, Matagorda, Colorado, Wharton, Fayette, Austin, Waller, Brazoria, Grimes, Madison, Walker and San Jacinto.

"IMMEDIATELY CONTACT THE FEALY LAW FIRM
AT (866) 751-1087 FOR AN
UP FRONT, NO-HIDDEN-COST, ESTIMATE"

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