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Is that harassing creditor violating debt collection laws? Atlanta, GA

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Is that harassing creditor violating debt collection laws?

Ira and Jamie Gingold Bankruptcy Attorneys in Atlanta GA

Many people in Georgia have likely experienced a less-than-friendly debt collector. Whether you are overwhelmed with credit card debt or stuck with an extremely expensive medical bill because of an injury or illness, debt collectors can be ruthless in their attempts to collect unpaid debts. As a consumer, however, it is important to understand when a debt collector has crossed the line by violating the law.

In Georgia and throughout the country, consumers are protected by the federal Fair Debt Collection Practices Act. This piece of legislation outlines acceptable ways that debt collectors can interact with consumers as well as debt collection practices that are unlawful.

One of the most important things to understand is that debt collectors cannot harass you. Under the law, this means that they can’t use unsavory language toward you, threaten you with violence or other illegal behaviors, make it known to others that you owe money, or call you repeatedly and relentlessly in an effort to harass or annoy you. 

A debt collector must also be forthcoming with you. He or she must not mislead you in any way as to how much you owe or who is trying to collect money from you. It is also illegal for debt collectors to misrepresent themselves in an effort to get you to talk to them or pay money. 

Finally, the Fair Debt Collection Practices Act prohibits debt collectors from contacting you at inappropriate times or in inappropriate ways. This means before 8:00 a.m. or after 9:00 p.m. or contacting your office if personal calls are not allowed. 

The Fair Debt Collection Practices Act encompasses much more than what we’ve just described, but hopefully this overview will help you determine whether a debt collector is violating your rights. It is important to know, as well, that one way to stop harassing phone calls is to work with an attorney. Once you have an attorney, a debt collector is not allowed to contact you, only your lawyer. 

Source: Governor’s Office of Consumer Protection, “Debt Collectors,” March 25, 2014

Posted on behalf of Gingold & Gingold

1718 Peachtree St NW, #385
Atlanta, GA 30309

Phone: (404) 685-8800

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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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