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Report The number of complaints against debt collectors remains high Atlanta, GA

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Report: The number of complaints against debt collectors remains high

Struggling with unpaid bills is often challenging enough without having to deal with incessant calls and threatening letters from debt collectors. Unfortunately, many individuals in Georgia have to contend with these harassing debt collection practices even though they fell on hard times due to no fault of their own – such as circumstances related to unexpected medical expenses or the loss of employment.

However, according to the tens of thousands of complaints filed with federal agencies on a yearly basis, harassing behavior on the part of debt collectors continues to be a problem. This is particularly concerning given the fact that the Fair Debt Collection Practices Act (FDCPA) prohibits many of the actions enumerated within the complaints.

Indeed, in its 2014 annual report, the Consumer Financial Protection Bureau (CFPB) – one of the agencies charged with enforcing the FDCPA – noted that it handled over 30,000 debt collection complaints during the last six months of 2013 alone. The most common grievances reported were those related to “continued attempts to collect debt not owed” and “communication tactics,” such as repeated debt collection calls.

Interestingly, the report also noted that the Federal Trade Commission (FTC) – the other FDCPA enforcement agency – received a staggering 204,464 debt collection complaints from several sources in 2013, which was an increase from 2012. The most common allegations of wrongdoing among the complaints filed directly with the FTC included claims that debt collectors made false/illegal threats, placed repeated calls and misrepresented the character, amount or legal status of debts.

Stopping harassing debt collection

Unfortunately, debt collection is a thriving business in the U.S. In fact, according to the CFPB, roughly 14 percent of all American adults were subject to the debt collection process in some way in 2013. Sadly, many of those with their backs against the wall are manipulated by the pervasive tactics used by debt collectors, or worse, they are frozen in a state of inaction since they do not know what their options may be. Consequently, it is crucial for those struggling with overwhelming debt to know that help may be available through bankruptcy.

For instance, filing bankruptcy will put in place an “automatic stay” that will stop all creditor harassment and collection attempts. If a creditor violates this “stay,” it may face significant sanctions, which is often a great motivator for ceasing harassing activity.

In addition, bankruptcy provides several options for dealing with the debt itself. A Chapter 7 bankruptcy permits individuals to obtain a fresh start by discharging – or wiping out – debts. Conversely, a Chapter 13 bankruptcy gives people breathing room by allowing them to consolidate debt and become current on payments.

However, the best course of action for an individual is entirely dependent upon his or her circumstances. Consequently, it is best to consult with a knowledgeable bankruptcy attorney if you are experiencing creditor harassment and believe bankruptcy may be a viable option. A skilled attorney can help review your finances and outline what your rights and options may be.

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Our Client Reviews

Gingold & Gingold LLC
5.0 / 5.0

Based on 28 reviews

Jack L.

They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

All C.

Mr. Gingold was recommended by an attorney I had worked with previously. I met with Ira Gingold to discuss credit issues. He went over each specific issue thoroughly. He advised me of the potential outcomes. He did all this in one meeting for a very reasonable price. When we finished I was confident in moving forward with a resolution. He definitely wants to help people take the appropriate course of action for their circumstance.

Karen B.

Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

Lyla B.

I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

Julie T.

Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

Sherard W.

I cannot say enough about this law firm. From the initial consultation to our discharge, the entire office kept me updated with every step of the entire process. I came to the Gingold after a bad experience with another law firm. Ira and Jamie immediately began treating me like family through this experience. In the end, they assisted with eliminating many debts including my 2nd mortgage. I cannot say enough about the experience and knowledge that Ira brought to the table from the office visits to the court time. Thank you very much for helping me through this tough time. Thank you.

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