Many debt collection agencies use aggressive collection practices such as threats, obscene language and embarrassing communication techniques.
Falling behind on your bills does not make you a criminal, and you do not deserve to be treated as one.
At Flesner Wentzel, we stop illegal creditor harassment.
As a local St. Charles, Missouri, law firm, we know what collection techniques are legal and those that are illegal. Together, we will stop the harassing calls, the threatening letters, and the embarrassing and illegal debt collection practices.
St. Louis Fair Debt Collections Lawyers
The Fair Debt Collections Practices Act (FDCPA) protects consumers against illegal debt collection practices. When collection agencies cross the line, you have rights. There are legal steps you can take to stop illegal collection techniques and stop creditor harassment.
The FDCPA prohibits the following types of collection practices:
Threatening violence against you, your family or your property
Using obscene, offensive and profane language, including racial slurs and sexual epithets
Repeated and continuous contact
Making anonymous phone calls
Advertising your debt or publishing your name
Inconvenient communications such as late night phone calls or calling you at your place of work
Telling your friends, family and employer about your debt
Lying to you about the consequences of your debt
Taking any action against you — such as repossession or filing a lawsuit — without validation of your debt is illegal. At Flesner Wentzel, we force collection agencies to validate your debts or cease their collection actions.
At Flesner Wentzel, we understand that the stress and anxiety caused by hounding creditors is worse than the underlying debt itself. Our attorneys act quickly to stop the illegal collection behavior.
Once you have an attorney, creditors are not allowed to contact you. If they violate this no-contact rule, you have a legal action against them. Our attorneys help individuals who have been harmed by illegal collection acts bring suit under the FDCPA, hold creditors liable for their wrongful acts and obtain compensation for the damage caused by their illegal collection practices.
Discharge Your Debts. Move Forward With A Clean Slate.
In some cases, settling individual debts may not be the best solution. If you are feeling overwhelmed by debt, bankruptcy may provide you with a way out. At Flesner Wentzel, we help clients eliminate their debts through Chapter 7 and Chapter 13 bankruptcy.
Stop the harassment, eliminate your debts. Contact St. Charles creditor harassment lawyers of Flesner Wentzel at 636-442-4529. Initial consultations are free. Se habla Español.