Skip to main content
(678) 915-2634 Contact Us
Consumers have rights when debt collectors cross the line Atlanta, GA

Personal Attention & Experience Since 1971 Family-Owned, Family Focused

Client Reviews

Consumers have rights when debt collectors cross the line

lawyer in a lawyers library

Being in debt is a stressful situation with which millions of Americans find themselves struggling. Even though the economy, employment rates and housing market are showing signs of improvement, the toll that the recession took on many people has lingered on and made it all but impossible to get back on their feet.

Unfortunately, the situation is only made worse by one industry that seems to be booming: debt collection. People who are in debt and unable to keep up with payments often find themselves feeling even more scared and alone when they are repeatedly and aggressively hounded by debt collectors.

In an article on our website, we reported that thousands of people have pursued after being targeted and harassed by debt collectors. In that article, which can be read by clicking here, we discuss how common it is for people to be threatened, harassed, lied to and misled by debt collectors. According to a report by the Consumer Financial Protection Bureau, more than 230,000 complaints have been formally filed with federal agencies regarding creditor harassment. 

Because of how harassing debt collectors can be, it can be easy to forget that there are strict laws in place that dictate what they can and cannot do. For example, debt collectors generally:

  • Cannot knowingly contact people at inconvenient or unusual hours
  • Cannot contact a person’s employer
  • Cannot lie about the amount of debt owed or actions that may be taken to collect the debt
  • Cannot issue threats
  • Must identify themselves when calling
  • Must communicate with a person’s attorney if one has been retained
  • Must cease all collection efforts when the debt is paid or a person has filed for bankruptcy

Violations of these and many other rules could result in civil penalties for the debt collector among other consequences, which is why filing a complaint can be effective. 

But for the person being harassed, it can be enormously important to just get the harassment to stop. Whether the collection practices are lawful or not, they can be very aggressive, leaving people frustrated, scared and stressed out. 

Speaking with an attorney can be the first step toward putting an end to creditor harassment. An attorney can help people understand their rights and explain their options for stopping the harassment and getting out of debt, both of which may be achieved by filing for bankruptcy.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


First Free

    DisclaimerPrivacy Policy

    I have read the Disclaimer and Privacy Policy

    Our Client Reviews

    Jamie L. Gingold, PC
    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!

    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.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

    Write a review