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Charlotte Creditor Harassment Attorney

Fair Debt Collection Practices in Mecklenburg County & All of North Carolina

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 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 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

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

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.

Blossom Law PLLC Can Help You Get the Fresh Start You Deserve

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. From offices in Charlotte, I represent individuals and families in communities throughout Mecklenburg County and the surrounding counties.

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

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

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