Birmingham Creditor Harassment Lawyer
Consumers who take out loans from creditors expect to be treated with the respect and dignity they deserve. Unfortunately, if a person’s debts begin to become more than they can handle, they may become subject to harassment from creditors seeking repayment. This can place enormous emotional pressure on the debtor, particularly when creditors resort to unethical or even illegal behavior. Fortunately, those who are put in this unfortunate position have the right to take legal action against harassing creditors in some circumstances.
If you or someone you know has been the victim of creditor harassment, you may be entitled to seek compensation for the unfair treatment you’ve endured. Contact a Birmingham creditor harassment attorney at GREENWAY BANKRUPTCY LAW, LLC, today at (205) 324-4000 to speak with a qualified legal professional about the details of your case and learn more about what you can do to fight creditor harassment.
Do I Need an Attorney?
When consumers take out loans but are unable to pay their creditors, the stress caused by the debt alone can be unbearable. In addition to the debt, consumers are often subject to the harassment and other intimidation tactics from their creditors. There is simply too much on the plate of the consumers. It is important to recognize that consumers that are being mistreated by their creditors are victims. As victims, they may be entitled to take legal action. An attorney will help fend off the creditor’s illegal and distasteful conduct. In addition, with an attorney handling your consumer protection case, you will be able to focus on your debt, while leaving the harassing creditor to the legal advocates.
Why Choose GREENWAY BANKRUPTCY LAW, LLC?
Paula Greenway is a native of Birmingham. She received both her undergraduate and legal education here. In addition, she has chosen to raise her three sons in Birmingham. She cares deeply for the community, so she has chosen to give back by setting up a legal practice that protects the ordinary consumer from unscrupulous creditors. She understands that these creditors may cause you serious stress and discomfort. Paula will make sure that you feel comfortable and at home in her office. While her main goal with you as a client will be to protect you as a consumer, she will treat you as a friend on your path to justice against the creditors.
Paula Greenway is a member of the National Association of Consumer Attorneys. Helping the consumer is her primary focus, and she has created a practice that focuses on the individual and their needs. If you would like the skill and expertise of a top-notch Birmingham creditor harassment lawyer, fill out a contact form, chat with us live, or call (205) 324-4000.
Creditor Harassment and Consumer Protection Cases We Handle
Consumers may be entitled to take legal action against their creditors for a range of different reasons. Some of the most common causes for action include the following:
- Injury to credit scores
- Financial injury
- Violations of the Fair Credit Reporting Act (FCRA)
- Violations of the Fair Debt Collection Practices Act (FDCPA)
These and other actions on the part of creditors may leave them open to litigation. As a consumer, you should not have to endure such mistreatment at the hands of your creditors. Fortunately, if you are suffering abuse and harassment, there may be legal options available to you.
Consumer Protection Frequently Asked QuestionsGREENWAY BANKRUPTCY LAW, LLC is here to help you if you are being harassed from your creditors. She has the skill and experience you need on your side to recover from these creditors for their misconduct. Following are a few frequently asked questions and their answers below for your review.
What is a Defamation Action, and How Does it Involving Harassing Creditors?
Defamation includes communications by the harassing creditors that tend to harm the reputation of the consumer. Basically, defamation lowers the status of the consumer as a member of the community, and defamation often deters others from associating with the creditor.
An action for defamation requires a showing of the following:
- A false and defamatory statement concerning the consumer;
- An unprivileged communication of that statement to a third party;
- Fault or negligence of the harassing creditor; and,
- Some harm to the consumer caused by the publication of the defamatory statement
These are the elements that establish a case for defamation in Alabama. Needless to say, proving a case can be difficult. It is important that you have an experienced attorney on your side. Your reputation should not take a hit because of the malicious conduct of your harassing creditors. You deserve to be free to enjoy your reputation without the being affected by false attacks.
What are Some Types of Creditor Misconduct?
The Bankruptcy Code lists different types of creditor misconduct that result in a fine to the creditor. These violations do not necessarily establish a consumer claim for compensation, but the violations do provide useful evidence to help show a cause of action. However, the misconduct of creditors is not limited to what happens before litigation. After filing suit, creditors can continue harassing consumers, and they may still be subject to penalties. The penalties for creditor misconduct, whether it comes before or after litigation starts, can come in a variety of forms.
What is the Fair Credit Reporting Act?
The FCRA is a federal statute that was enacted in 1970. The goal of the FCRA is to regulate the consumer reporting industry. In accomplishing this goal, the act aims at protecting consumers from false information about them and their credit reports. Basically, the FCRA limits the information included on consumer reports and it restricts the ways in which consumer reporting agencies distribute these reports. Through these restrictions, the law controls the way consumer information, including credit information, is collected and used.
If a party fails to comply with the Fair Credit Reporting Act, that party may be liable to the consumer in an amount equal to the sum of the damages sustained to the consumer. A court may sometimes award punitive damages for violations of the FCRA.
What is the Fair Debt Collection Practices Act?
The Fair Debt Collection Practices Act is a federal law that became effective in 1978. The FDCPA lays out guidelines and regulations for debt collectors by defining debt collection practices that are unfair, harassing, abusive, false, or deceptive when used to collect consumer debt. The basic purpose of the Act is to protect consumers from the defined debt collection practices by imposing civil liability on debt collectors for violating the act.
The unfair, harassing, abusive, false, and deceptive conduct of debt collectors can be a complicated issue to litigate under this federal law. Because of this, it is very important that you have an experienced lawyer on your side.
Contact a Birmingham Creditor Harassment Lawyer Today
At GREENWAY BANKRUPTCY LAW, LLC, we are dedicated to protecting the rights of consumers and are not afraid to take aggressive action against creditors who engage in unscrupulous and illegal practices meant to intimidate and harass debtors. If you have been the victim of creditor harassment, contact a fair debt collections lawyer today at (205) 324-4000 to learn more about your rights and options in this difficult circumstance.