Creditor Harassment Experienced & Trustworthy Service Since 2009

Creditor Harassment Attorney in Aurora

Protecting Consumers in Denver, Adams County, & Surrounding Areas

Are creditors or collection agencies allowed to send harassing phone calls, letters, texts, and emails at any time, day or night? Are they allowed to intimidate you, abuse you, or lie to you to get you to pay?

While debt collection is perfectly legal, creditor harassment violates both federal and state laws. You are protected by a wide variety of consumer protection laws, and you do not have to endure such practices. You can fight back and even obtain substantial compensation through the court system.

If you are struggling with unmanageable debt, you may also be suffering from creditor harassment, and Consumer Law Pro is here to help. Our name reflects the mainstay of our practice, which is our professional defense of consumers who have suffered abusive practices by businesses such as creditors and collection agencies.

When you come to our firm, your case will be handled directly by our creditor harassment attorney, who can answer your questions, evaluate your case and its potential outcome, and walk you through the legal process from start to finish. Because we have been helping and protecting consumers since 2009, we have thousands of hours of legal practice, and we can put this experience to work for your creditor harassment case.


Reach out to our creditor harassment attorney in Aurora at (303) 622-3833 to begin building your case today.


The Fair Debt Collection Practices Act (FDCPA)

The FDCPA is a federal law that outlines what constitutes abusive, deceptive, or otherwise unethical behavior by a collection agency or creditor when seeking payment of a debt. It outlines when and how a creditor can contact you, as well as what strategies that creditor can and cannot use. When the FDCPA is violated, you can bring a legal action against the violator and seek damages and legal fees. You must act quickly, however, because the statute of limitations for creditor harassment cases is one year.

    Examples of FDCPA violations include (but are not limited to) the following:

    • Calling you to collect on a debt before 8 a.m. or after 9 p.m.
    • Trying to collect on a debt that has already been paid off or never existed in the first place
    • Representing or implying that the creditor is from the courts, law enforcement, or other government agencies
    • Threatening you with actions that the collector has no intention of taking
    • Threatening to put you in jail or have you arrested
    • Trying to enforce extra fees above and beyond what is owed on the original debt
    • Calling or contacting third parties about your debt, such as relatives, neighbors, friends, or employers (except to obtain your contact information)
    • Engaging in abusive or profane language
    • Calling or contacting you at your workplace when you have expressly told the collector not to
    • After making initial contact, failing to send you written notice of the exact debt you owe
    • Failing to inform you that you have the right to dispute any debt if you do so within 30 days of receiving the written notice
    • Threatening you with repossession or wage garnishment without telling you that these actions can only take place after a creditor wins a court judgment against you first
    • Contacting you after you have sent them a written notice telling them to stop contacting you; a collector can contact you only once more after such a notice to let you know of any further actions (such as a lawsuit) that they will pursue
    • Leaving a message on your voicemail without letting you know that the call is a collection call and leaving a personal and business phone number
    • Threatening you with physical harm

    Damages in a FDCPA Lawsuit

    If you prevail in a court action against a company that has violated the law, you may win damages for physical or emotional distress, loss of wages if the violations affected your work, or damages for the return of unfair garnishment of wages. You may also be eligible for up to $1,000 in damages as well as your court costs and attorney fees.

    Do you believe your rights have been violated? Call Consumer Law Pro at (303) 622-3833 or contact us online today.

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