Creditor Harassment

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Creditor Harassment Lawyer in Cumming, GA 

Serving North Georgia and the Greater Atlanta Area

Once you have fallen behind on your credit card and other financial obligations, you can become the target of creditor harassment. This harassment can consist of incessant phone calls, letters, and texts, many of which can include tactics that are abusive and even unlawful. This type of behavior is all too common, especially from debt collection agencies that often take over for original creditors or buy their debts. Such harassment can add additional stress to an already difficult situation when you are struggling financially. 

You don’t have to put up with creditor harassment that is designed to coerce you into making payments that you likely cannot afford and may not end the harassment anyway. At The McCormick Firm P.C., we can help you stop this aggravation by taking proper legal action based on the unique circumstances of your debt situation. We have provided trusted representation in debt relief and bankruptcy that permanently ends creditor harassment for hundreds of Georgians throughout Forsyth County since 2011.

Learn how to stop creditor abuse by contacting a Cumming creditor harassment attorney through email or by calling our office at (678) 990-2042

Creditor Harassment Laws in Georgia

Both the state of Georgia and the federal government have passed laws that define creditor harassment,  making certain aggressive and threatening behaviors unlawful. This means that you may be able to sue debt collectors who engage in such behaviors for damages, court costs, and attorney fees. 

The Fair Debt Collection Practices Act (FDCPA) is one of those laws. By knowing your rights under this law, you can protect yourself against creditor bad behavior. 

Examples of creditor harassment under the FDCPA include but are not limited:

  • Engaging in the use or threat of use of violence to harm you, your property, or your reputation
  • Engaging in profane or obscene language
  • Calling you repeatedly to annoy or harass
  • Calling you before 8 a.m. or after 9 p.m.
  • Threatening to sue or arrest you when they have no intention of doing so
  • Falsely identifying themselves
  • Calling you after you have referred them to your attorney
  • Calling you at work when you have notified them not to
  • Discussing your debt with third parties, such as neighbors, coworkers, or employers

Another law that protects Georgians is the Georgia Industrial Loan Act, pertaining to cash loans of $3,000 or less. This law bans various abusive tactics that payday lenders often may try to attempt, such as making false statements about what you really owe, threatening to add more fees to your debt which cannot be done, or trespassing onto your property. 

The Best Way to End Creditor Harassment

The best way to permanently end creditor harassment is through bankruptcy. As soon as you file for bankruptcy, you will be protected by the automatic stay issued by the court. This “stay” bars any further collection attempts by your creditors whether you file for a Chapter 7 or a Chapter 13 bankruptcy. 

In a Chapter 7, you can get unsecured debt, such as credit card debt and medical bills discharged. In a Chapter 13, you can reorganize your debt load into a repayment plan spanning three to five years. This form of bankruptcy can also eliminate or reduce such debt. At The McCormick Firm, we can walk you through the differences and help you get started with the right solution for you. 

Contact Us Today

Solve your debt overload and end creditor harassment through bankruptcy. Contact The McCormick Firm P.C. online or call (678) 990-2042.

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  • Why Hire the McCormick Firm P.C.?

    Our seasoned team will always protect your rights while using our large pool of resources and experience to help save your assets. Often mortgage companies and banks will try to violate your rights in an effort to take all that they can from you, which is why you need an aggressive bankruptcy law firm that has years of experience in dealing with the complexities of debtor and creditor law.

    You will have peace of mind knowing that we are on your side throughout the debt relief or bankruptcy process. The McCormick Law Firm always takes the time to explain to new clients how bankruptcy works, and will always advise you on the best course of action to take based on your situation. We will dispel any myths that you may have about filing for Chapter 7 or Chapter 13 bankruptcy, and present you with facts and information that will help you decide on the best course of action to take.

  • What Happens to My Credit?
    Bankruptcy can damage your credit and subsequently your credit score. We all know that credit scores play a large part in our lives and have for some time, as they help determine how much we pay for our cars, houses and more. However, if your score has already been damaged, bankruptcy can be a great first step to rebuilding your credit.
  • How Will I Pay My Bills Going Forward?

    The key to paying your bills in addition to getting the most out of your bankruptcy case is to form a stringent budget that you can follow reasonably. If you have filed for Chapter 13 bankruptcy, you need to have a budget to make sure that you are taking care of all of your required payments. If you file for Chapter 7 you will have your debts discharged, but only those debts that you had before the petition for Chapter 7 was filed. You will need a budget if you file for Chapter 7 to make sure that you won’t have to file again in the future. You should be able to consult with your Cumming Georgia bankruptcy attorney on this matter.

  • Will I Lose My Job if I File for Bankruptcy?

    Filing for bankruptcy is information that the public can view. However, this information is not published in any newspapers or distributed at any stores. The only people that will know that you filed for bankruptcy is the trustee in your case, your creditors, and the people that you choose to tell. If your employer finds out about your case, it should not adversely affect your position or job. This may not be true if you work within the financial industry.