Manhattan Creditor Harassment Attorney

Protecting the Rights of Manhattan, Brooklyn and Queens Residents Struggling With Debt

When you are having difficulty paying your bills, it is extremely easy to become overwhelmed. Add to this scenario, the incessant calls and emails from aggressive creditors, and it may seem like you are clinging to the edge of a cliff of stress and anxiety. When creditors constantly harass you, pressuring you to pay debts which you are already doing your best to settle, it can become terrifying to even open your mailbox or answer your phone.

However, you do not have to face more sleepless nights with the aid of our reliable Manhattan creditor harassment lawyer. Here at the Law Office of Julio E. Portilla, P.C., we know what it takes to help you immediately halt the horrible nuisance of creditors, utilizing a strong bankruptcy plan to get you back on solid ground.

Call us today at (917) 909-6166 so that you can move forward out of financial difficulty into financial freedom.

Prohibition Against Creditor Harassment

Legally, debt collectors are able to ask clients to repay their loans. However, many creditors unfortunately abuse this license, and try to use a wide variety of methods, some bothersome, some deceptive, all to collect your debt.

However, regardless of how much these companies are owed, The Fair Debt Collection Practices Act (FDCPA) states that borrowers are safeguarded from these nefarious debt collection strategies. The law in NYC is designed to protect individuals from being stressed and abused by any illegal actions made by creditors. Our Manhattan creditor harassment attorneys understand this and are here to help you resolve your debt without suffering harassment. 

According to the FDCPA, creditor companies are absolutely prohibited from using strategies of harassment including:

• Contacting the debtor’s workplace or location of employment when they have been asked to not call at this location
• Utilizing any form of deceit, misconduct, or misrepresentation, whether oral or written
• Physically or vocally threatening with claims of arrest
• Using emotional tones or arguments to convince the debtor
• Continuing to call or email repeatedly, even when this communication has been requested to cease immediately
• Contacting consumers at their house during hours they should be resting, such as before 9 am or after 8 pm
• Contacting an employer or family member or any other third party in order to talk about the consumer's debt

Contact our creditor harassment lawyers in Manhattan today at (917) 909-6166 so that you can experience financial freedom.