For consumers, one of the most stressful consequences of mounting debt is creditor harassment. Stacks of letters, countless emails and even threatening phone calls can become the norm for debtors who cannot get ahead. Unfortunately, many American consumers do not realize they are entitled to protections against their creditors. Under the Fair Debt Collection Practices Act, collectors must follow specific guidelines when seeking to collect debt. Any violations could give the debtor the right to take legal action against a creditor. Similarly, some laws will make debts null and void.
Every state has a statute of limitations on debt collection. This means that after a certain period of time, debtors no longer have the right to come after you. Our Birmingham debt relief attorneys are dedicated to helping protect consumers against unscrupulous creditors and unfair debt collection practices. In addition, we will help clients explore debt relief options, including Chapter 7 or Chapter 13 bankruptcy. We know the quickest way to eliminate unwanted debt is through the bankruptcy process.