Creditor Harassment

Dealing with creditor harassment?

Let us help you fight creditor harassment.

Have you been harassed by a creditor? No matter how much money you owe or how long it has been since you last made a payment, you should not have to suffer the indignity of creditor harassment. Laws do exist to protect individuals from excessive harassment and overly aggressive collection practices. Among these laws governing the debt collection is the Fair Debt Collection Practices Act. This law is a powerful tool designed to defend debtors against violations of federal law by collection agencies.

It is very important to document any threats or instances of harassment so that effective action can be taken on your behalf. It is in a collection agency's best interests to harass debtors in an attempt to squeeze as much money out of them as possible in order to maximize profits.

Collection agencies buy unpaid debts from banks and other lenders at a fraction of the cost of the total debt. After buying this debt for pennies on the dollar, these agencies are determined to collect their profits. What you actually pay should be negotiated by a professional from our firm.

If you want to learn more about defending yourself against creditor harassment, seek out our Orange County bankruptcy lawyer without delay. Contact us today!

Creditor harassment can come in many forms. It is important that you look out for the following:

Intimidation tactics
Excessive phone calls or letters
Abusive or aggressive language
Threats of legal action
False identification or misleading statements

How an Orange County Bankruptcy Attorney Can Stop Harassment

At 1st California Law, we fight for our clients. Our attorneys are well-versed in the laws governing debt collection practices. We will use our knowledge and expertise to help you break out of the cycle of abuse. Collection agencies must follow the guidelines set out in the Fair Debt Collection Practices Act; failure to do so can result in significant penalties and other legal repercussions.

We understand that few things are more frightening and overwhelming then being harassed by a collection agency. When a collection agency contacts you, it must follow the proper protocol, required by law. The caller must identify himself, provide you with the name and address of the original creditor, notify you of your right to dispute the debt and provide a verification of the debt.

Creditors will often make phone calls to someone's cell phone or home phone, or sometimes even to their place of work. These calls can be frustrating and can make an already busy day even more packed and anxiety-filled. If you have not been treated with the proper respect and a collection agency has been harassing you, we can help!

Don't sit back while creditors and collection agencies take advantage of you. Speak to one of our Santa Ana attorneys today. Call an Orange County bankruptcy attorney at our firm immediately to get the aggressive legal representation you deserve!

Read Real Reviews

LET 1ST CALIFORNIA LAW INC GET YOU DEBT FREE

“Amazing law firm to work with, very knowledgeable, & very kind!”
Amazing law firm to work with, very knowledgeable, & very kind. They made filing for bankruptcy easy. Kevin is a amazing lawyer, would definitely recommend to friends and family.

- Evelyn V.
“Kevin made us feel at ease during a very stressful time in our lives.”
Kevin is the best! He made us feel at ease during a very stressful time in our lives. His upbeat personality and thorough explanations made this whole process effortless. His communication was on point and the cost for his services was absolutely reasonable. If I ever need legal service again in the future, he is my go to guy. Love him!

- Elizabeth C.
“Being the light at the end of this scary tunnel!”
“Nobody ever hope to find themselves filing for bankruptcy but when I did, my first call with Kevin put me in such ease that I knew I found the right person to help me.”

- Leslie I.
“Made the entire process of filing my case approachable & much less stressful than anticipated!”
Kevin was absolutely fantastic to work with. He made the entire process of filing my case approachable and much less stressful than I anticipated. He was responsive, professional, and direct throughout the entire process, and personally accompanied me at my hearing. I would highly recommend his services.

- Ashley T.
“One of the best bankruptcy attorneys to work with!”
Kevin Kunde was one of the best bankruptcy attorneys to work with. He was kind, informative, courteous and very knowledgeable. I would recommend 1st California Law and Kevin Kunde services to anyone seeking debt relief assistance. Bankruptcy can be a very scary situation and I through out the entire process I felt well guided and taken care of by 1st California Law. Thank you for everything.

- Melissa L.
“Awesome attorney”
I recently filed for my Chapter 7 through Mr. Kevin’s law firm and I could not be happier with his services. All of my concerns and worries were eliminated when Mr. Kevin thoroughly explains the process of bankruptcy filing and court hearing. The actual court hearing is very simple and to the point, just as Mr.Kevin said. In all, i highly recommend Mr.Kevin as an attorney for anyone who is in need of financial debt relief. He is kind, transparent, and dedicated to his profession. I'm glad i have had a chance to work with Kevin.

- Bruce
“Great Service”
It was the best experience ever with Kevin, I consulted several attorneys regarding my bankruptcy before I went to Kevin, and Kevin was very helpful and also the fees is very good. It was so easy to prepare my filling with him and he kept me updated with everything and tell me everything I need to know even if I didn't ask for it. Kevin show up with me in court and he was very helpful in getting over this stressful situation easily and smoothly, highly recommended him and his office if you look for any financial relief advice or help. Thanks Kevin.

- AA
“Best lawyer”
I'm 100% satisfied with his service I highly recommend to anyone!

- Vivian