The U.S. Congress passed legislation protecting consumers from the heavy-handed strategies often used by credit card companies, banks, contracted bill collectors and credit reporting agencies. Under the federal Fair Debt Collection Practices Act (FDCPA), creditors and their collection agencies are restricted in the practices they use to intimidate you into payment. In addition, false or inaccurate reporting to TransUnion, Experian, Equifax or other credit reporting agencies may give you the right to sue for financial harm resulting from the inaccuracy. Under the FDCPA, some illegal collections practices include:

  • Cursing, threatening or abusive language in phone calls or collection letters
  • Collection phone calls made to your personal residence after 9 p.m.
  • Collection calls or letters made directly to your employer
  • Threats of imprisonment or jail
  • Threats to notify your neighbors or extended-family members about the debt
  • Unscheduled personal visits from a debtor’s representative or bill collector
  • Threats of repossession or home foreclosure not directly related to the debt

Can A Creditor Garnish My Wages?

Wage garnishment is a legal action that creditors rely on to recover money owed from debtors. Filing Chapter 7 or Chapter 13 bankruptcy places an immediate stay (stop) on garnishment and other legal collections actions pending against you.

Inaccurate Reporting To Credit Reporting Agencies

Your credit report is your lifeline to a mortgage, a car payment, student loans and other types of debt we may need in our modern times. An inaccurate report or creditor misrepresentation that leads to a poor credit rating can mean a lost opportunity for you and your family. If you have had a loan denied based on your credit report, it pays to inquire into the nature of the denial. If there is an inaccuracy reflected on the report, or a failure to give full information you requested to be placed on your report, you may be entitled to seek financial compensation from the liable creditor.


Get A Fresh Start. I Will Aggressively Protect Your Rights And Financial Interests.

Stop creditor harassment today and get a fresh start tomorrow. If you are a North Carolina resident and are facing harassing collections calls or have had problems with an inaccurate credit report, turn to Blossom Law PLLC for help. I am North Carolina consumer protection attorney Rashad Blossom. I come from a family background that faced an uphill climb when dealing with credit card companies, banks and creditors. I understand the frustrations you are feeling and I will work aggressively to help you protect your rights and preserve your credit rating.


Creditor Harassment Lawyer Serving Mecklenburg County And Surrounding Counties

From offices in Charlotte, I represent individuals and families in communities throughout Mecklenburg County and surrounding counties. Call to arrange a free bankruptcy consultations with an experienced Charlotte fair debt collection attorney today.

Learn more about ways I can help. Visit Life After Bankruptcy and Home Foreclosure.

For bankruptcy services, I offer reasonable fees based on a fair retainer and honest billing policies. I am available for consultations 8:30 a.m. to 5 p.m. weekdays. Evening and weekend appointments may be available by special arrangement. Call 704-BLOSSOM (704-256-7766) or use the convenient email contact form to explain your legal needs and request a return call.

Blossom Law PLLC is a debt relief agency. The firm helps people file for bankruptcy relief under the U.S. Bankruptcy Code.