Debt Collectors Don't Have A Right To Harass You

Falling behind on loans, a mortgage, bills or other financial obligations can be scary, especially when debt collectors come calling. Whether you're a few thousand in debt or you're about to lose your home, it's important to know that it is unlawful in West Virginia for businesses, creditors or debt collectors to threaten or harass you about an alleged debt you owe. You have rights and are protected by consumer protection laws.

At The Grubb Law Group, we handle a wide variety of consumer protection cases, including claims of creditor harassment and unfair debt collection practices. We pursue these cases with the utmost tenacity because we believe in standing up for the little guy. Every piece of legal advice we give our clients is backed by more than 50 years of combined trial experience and a passion for doing what's right.

If you are receiving harassing, abusive or deceptive phone calls from creditors or debt collectors in West Virginia or elsewhere, contact us, The Grubb Law Group, in Charleston. We will make sure your rights remain protected and the harassing phone calls stop.

What Is Prohibited By The Fair Debt Collection Practices Act?

The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive, abusive or unfair practices in order to collect debts from you. Examples of prohibited practices include, but are not limited to:

  • Attempting to intimidate or threaten you into paying your debt
  • Falsely stating a call is urgent or an emergency to gain your attention
  • Using unfair or unconscionable means in an effort to collect a debt
  • Using obscene language or making calls repeatedly, continuously or at unusual times
  • Publishing your name on a list of debtors
  • Falsely claiming they are attorneys or government workers
  • Giving false information to lenders or credit reporting agencies
  • Trying to collect interest or additional fees in addition to the debt you owe
  • Misrepresenting the amount you owe
  • Making repeated call to family members or other third parties to obtain information or solicit payment on a debt

Even though you have the right to tell a debt collector to stop calling you, this does not make the debt go away, which is why it's important to speak to a knowledgeable attorney if you believe you were contacted in error, you already paid your debt or need more time and information about how to repay your debt. If you are represented by an attorney, it is unlawful for businesses, creditors or debt collectors to continue calling you without your attorney's permission.

Talk To Us — We Want To Help

At The Grubb Law Group, attorneys David L. Grubb and Kristina Thomas Whiteaker have dedicated their careers to seeking justice in consumer rights cases. We firmly believe in upholding consumer protection laws and seeking compensation for consumers when their rights have been violated.

If you would like to speak with one of our experienced consumer law attorneys to discuss the details of your case, contact our Charleston law office. Initial consultations are free and obligation free. Call 304-982-7755 or send us a message online to schedule an appointment.