The Larson Law Office
Houston Texas, Attorneys at Law
If you are getting non-stop abusive and harassing phone calls from debt collectors, this can make you feel trapped. Often, collectors will treat you with disrespect when you tell them that you cannot afford to pay, although you would like nothing more than to be able to pay the debts you owe. Instead of trying to work with you to create a payment plan you can afford, sometimes these collectors turn aggressive, speaking to you abusively, rudely and offensively. These abusive calls can make you feel like you have hit a brick wall and that you have no way out.
Too often, creditors and debt collectors resort to intimidating and abusive tactics, including constant telephone calls where they contact not only the consumer, but also the consumer's family, friends, neighbors, and even the consumer's employers. Not only do collectors contact family and supervisors of consumers, collectors also threaten them and tell them about the consumer's alleged debt.
We know the illegal tactics used by debt collectors. We use federal and Texas law to help stop the collection phone calls. We can help you break free of feeling like you are trapped by debt collectors.
You deserve to be treated with respect. No collection agency has the right to constantly chase you down with harassing calls or threaten you. The FDCPA protects you whether you owe the money, don't owe the money or if they are harassing you about someone else's debt. Many debt collectors intentionally use their abusive tactics to overwhelm you with fear and anxiety. These calls and tactics can leave you feeling embarrassed that you cannot afford to pay, guilty for not making payment and full of anxiety about the calls you are likely to receive again from this collector. It seems like this is a never ending cycle.
The lawyers of The Larson Law Office understand how you feel. We are here to help. Do not be embarrassed about calling us about the debt collection calls – we understand your situation. We are not here to judge you – we are only here to help get you relief from law breaking debt collectors and their abusive tactics. Call us for a Free Consultation and we will explain your rights, determine if the bill collectors are violating the law and consult with you about your case.
We Sue Abusive Debt Collectors.
The law is clear: Consumers have protections from intimidating, harassing and abusive debt collection tactics. Federal law requires debt collectors are required to follow the Fair Debt Collection Practices Act (FDCPA). There are legal ways to collect a debt and illegal ways to collect a debt. Unfortunately, many collectors choose the illegal way and operate as if there are no limits and no laws that restrict their conduct.
If debt collectors break this federal law, you can sue them for money damages of up to $1,000, any actual damages you experienced as a result of the debt collector's actions, reasonable attorneys' fees and court costs.
A Debt Collector Cannot:
Call you repeatedly
Call you before 8:00 a.m. or after 9:00 p.m.
Call you at odd/inconvenient times or places
Call you at work when they know or have reason to know you cannot take calls at work
Disclose information about your debts to other people Threaten to notify your employer or other people that you owe the debt
Use profanity or curse at you
Use abusive language such as yelling or insulting you
Contact you after written notification to stop contact
Claim to be affiliated with any government organization when it is not affiliated
Threaten action that cannot be legally done
Accuse you of having committed a crime
Use deceptive methods to collect the debt
Threaten to communicate false credit information
Fail or refuse to identify themselves as a debt collector
Fail to send you written information about the debt within 5 days of their initial contact with you
What We Can Do For You If a Debt Collector Violates the Law:
- Stop the debt collector from calling you
- Get you money damages of up to $1,000 from the collection company
- Get the debt collector to pay our attorneys' fees and costs
See our FAQ page for more information
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In FDCPA cases, our clients do not pay anything up front. The Larson Law Office is only compensated if we are successful in prosecuting your claim or case.
If creditors, debt collectors or bill collectors are calling you and using abusive language, threats, intimidation or are harassing you with multiple calls a day or calling before 8 a.m. or after 9 p.m., contact us online or call us at 713.221.9088 for a free telephone evaluation of your case.
Click here to view more information about the Larson Law Office's debt collection abuse attorneys Diana Larson and Erik Larson.
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Our Debt Collection Abuse Attorneys represent individuals across Texas including the cities of Houston, Austin, Beaumont, Waco, Bryan/College Station, Lufkin, Corpus Christi, Galveston and the communities of Harlingen, Longview, Brownsville, Nacogdoches, Port Arthur, San Antonio, Temple, Tyler, and Victoria.