Abusive and Illegal Debt Collection Practices

Though there are exceptions to every rule, generally people who enter into a financial agreement do so with the intention of living up to the terms set forth in the contract. But intentions are no match for the unpredictability of life, which can without warning upend the financial universe of an individual, family, or business. Natural disasters, job losses, medical emergencies, and other events can easily leave someone unable to live up to his or her financial obligations. In the midst of this already upsetting time, some collection agencies strain the legal boundaries within which they must operate.

If you have questions about collection practices to which you have been subjected, or if you are ready to put an end to the maddening spiral of debt, we can help. Contact the Arizona bankruptcy lawyers of the Harmon Law Office, L.L.C., at 480-829-0494 to speak with a skilled and experienced attorney about your legal rights.

Overstepping the Legal Limits

Despite the fact that most of the time the individuals who struggle with debt have not willfully chosen to behave irresponsibly, there has been a considerable and consistently negative social attitude toward debtors for centuries. This has led debt collectors and collection agencies to feel empowered to berate, belittle, and harass debtors into payment or surrender. The Fair Debt Collection Practices Act has granted debtors with substantial protections from these abuses, but it is not enough to deter some collection agencies from overstepping the legal boundaries. Threats that they make which are beyond their legal power may include:

• Threatening to seize your home (excluding mortgages, home loans, or other debts which were secured by the property)
• Failure to observe cease communication notices
• Implicit threats of violence
• Profane and abusive language
• Excessive calling
• Ignoring written disputes of a debt

Contact Us

We can help you to determine whether your rights have been violated and if filing for bankruptcy might offer relief. Contact the Arizona bankruptcy lawyers of the Harmon Law Office, L.L.C., today at 480-829-0494.