I Share Your Values, Experiences & Goals Experienced & Dedicated Bankruptcy Lawyer

Charlotte Creditor Harassment Attorney

North Carolina Fair Debt Collection Practices Act

North Carolina law has included 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 victims to recover damages between $100 and $2,000, while federal law allows victims to recover up to $1,000 in statutory fees.

Contact our experienced creditor harassment lawyer in Charlotte if a debt collector is or has attempted to inappropriately collect a debt from you in North Carolina. Attorney Rashad Blossom can help you determine whether North Carolina law or the federal FDCPA provides you with a legal remedy.

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.

Image of happy debt free couple with young child

Hear Our Clients' Stories

  • “He responds to emails in a timely manner (day or night) and his fees are reasonable. He sends me any questions or communications from the Trustee or court as soon as he receives it. I really appreciate someone who works with you. ”


  • “Blossom Law 5?????!!!!!”


  • “Empathic and professional”


  • “He worked with me every step of the way and continued to check in on me throughout the process. He made the whole thing painless and easy.”


  • “The firm remained responsive as issues arose and always returned calls promptly. I sincerely recommend the firm for anyone facing this type of decision.”


  • “Thank you Blossom Law”

    Ms. J

  • “My on boarding experience was excellent resulting in a very comprehensive review.”


  • “Great Attorney”

    David H

  • “He answered all my with questions and eased my concerns. I never had to leave him messages and wait for a long time to hear from him. He was timely and genuinely concerned.”


  • “Rashad was very thorough in handling my bankruptcy. He was very informative in handling my case.”


  • “He took care of everything, and I now have no more tax debt. He was the best to deal with!! Thank you, Mr. Blossom!!”