Protecting You From Creditor Harassment
Falling behind on payments can lead to calls and letters from collectors. While some contact is legal, many collectors cross the line into harassment. That’s where the Fair Debt Collection Practices Act (FDCPA) comes in — a federal law that prohibits abusive, deceptive, or unfair collection practices.
- Common FDCPA violations include:
- Excessive or harassing phone calls
- Threats of legal action when none is intended
- Misleading promises about settlements or payment plans
- Using abusive or intimidating language
- Disclosing your debt to third parties without consent
How Colexit Helps
The quickest way to stop harassment is to have Colexit represent you. Once retained, all collector communications must go through our attorneys — protecting your privacy, ending stressful calls, and ensuring your rights are respected.
If violations have occurred, you may be entitled to damages of up to $1,000 in statutory damages per case, recovery of attorney’s fees, and in some situations, additional compensation for actual harm suffered.
Your Rights. Our Advocacy.
At Colexit, we don’t just stop the harassment — we pursue justice. Our attorneys will review past collection efforts for violations, hold collectors accountable, and guide you toward a fair resolution. With Colexit, you gain a powerful ally committed to restoring your financial peace of mind.
Effective Strategies to Cease Collection Calls and Harassment
In accordance with both state and federal regulations, debt collectors possess the legal right to initiate phone calls and send correspondence seeking to collect outstanding debts. They are permitted to call repeatedly during the hours of 8 a.m. and 9 p.m. and are even allowed to contact you at your workplace, albeit solely for locating purposes. Importantly, they are strictly prohibited from discussing the debt with their employer or co-workers.
If, however, you communicate to a debt collector your desire for them to discontinue calling you, they are obligated to comply with your request. Nevertheless, this may pose a predicament, as cutting off all contact could potentially prevent you from being aware of any escalation in your case until it is too late. To circumvent this issue effectively, the optimal solution is to retain the services of Colexit. By doing so, all communications from the debt collector will be directed through the attorney, ensuring that you receive pertinent information about your case without having to engage with the debt collector directly. This streamlined approach serves as a hassle-free method to halt harassment effectively.
Ensure Peace of Mind with Colexit: At Colexit, we specialize in providing comprehensive legal assistance to protect you from relentless debt collection calls and the associated distress. Our team of experienced attorneys handles communication with debt collectors on your behalf, granting you peace of mind throughout the process. By entrusting us with your case, you gain a powerful ally in navigating the complexities of debt resolution while focusing on the essential aspects of your life. Put an end to collection call harassment today with Colexit.
Understanding Your Rights Under the Law
As a consumer, it is crucial to be aware of your rights when dealing with debt collectors. It is illegal for debt collectors to continue contacting you once you have explicitly informed them to stop. This is just one example of potential violations they might commit. Unfortunately, creditors commonly breach the law by misleading consumers with false information. For instance, a debt collector may make promises of settling the debt for a reduced amount if you make a payment, even when there is no genuine intention to offer a settlement. Additionally, collectors might issue threats that they cannot or will not carry out. Some of the common intimidating tactics involve falsely claiming that you will be arrested for non-payment or that your bank account will be frozen if immediate payment is not made. Shockingly, certain creditors even resort to deceptive statements, asserting that failure to pay will result in the loss of child custody or benefits. It is essential to recognize that these statements are entirely false and represent illegal collection practices.
Protecting Your Rights:
Knowing your rights is the first step in safeguarding yourself from unscrupulous debt collection practices. If you encounter any of these violations or experience harassment from debt collectors, you have the right to take action. Seek the support of reputable legal counsel, like Colexit, who specializes in consumer protection. We can help you understand your rights under the law and work diligently to put an end to abusive and unlawful debt collection practices. Empower yourself with knowledge and take action to ensure a fair and just resolution to your debt-related concerns.
Safeguarding Yourself Against Unlawful Collection Practices
Enlisting the support of a skilled attorney is the most effective method to protect yourself from illegal collection activities. A proficient lawyer will not only handle all communication on your behalf but will also meticulously assess past collection efforts to identify any breaches of the law perpetrated by the creditor during their dealings with you. Should such violations be discovered, Colexit can initiate a claim on your behalf, potentially entitling you to compensation of up to $1,000 for each offense, in addition to the reimbursement of your attorney’s fees.
Furthermore, Colexit offers comprehensive debt relief solutions tailored to your specific needs. Whether exploring bankruptcy options or considering debt settlement, our experienced attorneys will thoroughly discuss and assess the available alternatives, guiding you toward the most suitable course of action.
Secure Your Financial Future:
Colexit is committed to empowering consumers with the necessary legal assistance to secure their financial well-being. By placing your trust in our team, you gain a dedicated advocate who will assertively protect your rights and advocate for a fair resolution to your debt-related challenges. Make informed decisions about your financial future with Colexit by your side.
Colexit is committed to empowering consumers with the necessary legal assistance to secure their financial well-being. By placing your trust in our team, you gain a dedicated advocate who will assertively protect your rights and advocate for a fair resolution to your debt-related challenges. Make informed decisions about your financial future with Colexit by your side.
Put an End to Harassment with Professional Legal Assistance
You need not endure debt collector harassment silently. Your legal rights are essential, and Colexit is here to safeguard them. Schedule a free consultation by calling 000-000-0000, and take a step towards putting an end to the harassment you are facing.