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Horror stories involving outrageous debt collection practices Atlanta, GA

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Horror stories involving outrageous debt collection practices

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Many Georgia residents can relate to having been harassed by a bill collector at one time or another. Although there are numerous protections under the Fair Debt Collection Practices Act as well as state laws that specifically prohibit abusive and threatening behavior by debt collectors, many of them still employ these tactics when attempting to collect on a debt. Some of the tactics include threats of violence, using obscenities, incessant telephone calls and claims by the caller that he or she is an attorney.

All of these practices are illegal as is telling a consumer he or she will be arrested or their wages or property will be garnished unless the collector actually plans to take that action and can legally do so through an order from the court. Many consumers have their own horror stories to tell and some of these practices may actually lead consumers to consider taking action on their own. A simple phone call to a bankruptcy attorney can help a consumer determine a plan of action to make the harassment stop.

Some of these horror stories include a Texas debt collection agency that was recently shut down by the Federal Trade Commission for using abusive and deceptive tactics to scare consumers by threatening to have them arrested. Collectors would claim in incessant phone calls that they would send the sheriff to their place of employment to send them to jail. They would even go so far as to say the consumers children would be taken away by child protective services.

One consumer filed acclaim stating the agency claimed the collectors belonged to a law firm and also claimed to work for local law enforcement. They would inflate the debt by adding attorneys’ fees that were not authorized. These collectors were harassing a consumer over a $300 pay day loan that had already been paid and called her coworker and told him she was being arrested and they could identify her in a lineup. Another case of harassment involved such egregious scare tactics the agency was fined more than $700,000.

This agency claimed it would dig up the dead bodies of the consumer’s children if they did not pay the funeral bills. This kind of behavior although extreme does happen and consumers need to protect themselves from abusive dent collectors who are often attempting to collect on a debt that has either already been paid or settled. Anyone harassed by a debt collector should contact a bankruptcy attorney to learn their rights and steps they can take to protect those rights.

Source: CNN Money, “Debt collection horror stories,” Blake Ellis, Feb. 6, 2013

Posted on behalf of Gingold & Gingold

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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!

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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.

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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.

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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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