Fair Debt Practices Act You are not alone. There is hope.
An Insider's Guide to Bankruptcy in North Carolina

Stop worrying about your financial problems and start solving them.

By: Rashad Blossom, Attorney at Law

Charlotte Creditor Harassment Attorney

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, you can turn to me for help. I am Charlotte 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. I represent individuals and families throughout Mecklenburg County and the surrounding areas.

Contact our creditor harassment lawyer in Charlotte if a debt collector is or has attempted to inappropriately collect a debt from you. We serve Mecklenburg County & all of North Carolina.

What Does the Fair Debt Collection Practices Act (FDCPA) Do?

The FDCPA protects consumers from the heavy-handed strategies often used by credit card companies, banks, contracted bill collectors, and credit reporting agencies. Under the FDCPA, creditors and their collection agencies are restricted in the practices they use to intimidate consumers into paying. 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 Fair Debt Collection Practices Act, 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

North Carolina Collection Law

North Carolina law has a state debt collection law that closely parallels the federal FDCPA. Both laws are in place to protect you against debt collection abuse by allowing consumers to sue and to obtain actual or statutory damages. The North Carolina law allows consumers to recover damages between $400 and $4,000, while federal law allows consumers to recover up to $1,000 in statutory damages.

Attorney Rashad Blossom can help you determine whether North Carolina law or the federal FDCPA provides you with a legal remedy.

Need a creditor harassment lawyer serving Charlotte, Mecklenburg County, and surrounding counties? Call Blossom Law PLLC at (704) 271-9078.

What Are My Options If a Debt Collector Violates the FDCPA?

Have you dealt with a debt collector that has violated your rights under the Fair Debt Collection Practices Act (FDCPA)? There are actions that you can take to protect yourself and remedy the problem.

Your options:

  • Sue the Collector In State Court: You may be able to collect in statutory damages

  • Sue the Collector in Small Claims Court: The fastest solution and does not require a court hearing

  • Report Them To a Government Agency: You can file a claim with the Federal Trade Commission (FTC)

  • File Claim With The State Attorney General: Report if you believe there were state laws that were violated

If you believe that a debt collector has violated your rights under the FDCPA, do not hesitate to contact Blossom Law PLLC. Our debt relief attorney is here to assist you and provide guidance in any debt situation you may be in. Call us today for a free consultation.

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 in 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.

FDCPA Penalties

If a creditor violates the FDCPA and you have a case, you may be able to sue them and recover compensation which may cover:

  • Statutory damages of up to $1,000 per lawsuit
  • Fees and costs for an attorney
  • Damages for emotional and physical distress, costs of treatment, etc.
  • Loss of wages
  • Recovery of wages from an unlawful wage garnishment

The court may also have an injunctive remedy -- a court order that requires the creditors to stop specific activities such as relentless phone calls and aggressively sending collection letters.

How to Report FDCPA Violations

You may report creditors that have violated the FDCPA at the places below:

Related Reading

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

To arrange a free bankruptcy consultation with an experienced Charlotte fair debt collection attorney today, call Blossom Law PLLC at (704) 271-9078.

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