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List: Posted: 09/19/11
Being in debt is certainly no fun. It can be an enormously stressful situation on its own. However, when you throw in a creditor bound and determined to harass you, the situation can become even more dire.
However, there is good news. You do have legal rights if you are dealing with creditor harassment. What should you do if you are suffering from harassment?
You can sue a creditor for harassment under the Fair Credit Reporting Act. There are a number of things that can get your creditor in hot water for harassment, too. For instance, if a debt is reposted to your report without prior warning, you can sue. You can also sue for harassment if a credit bureau fails to correct an item on your report after they have received written proof that the item has been remedied.
If you can prove that a creditor has injured your credit report by pulling it without your permission, you can also sue. If the creditor calls your family, friends and employer about your debt, you also have grounds for a harassment suit.
Finally, if you tell a company to stop calling you and they continue harassing you, you have legal rights, as well. In fact, this can be a $1,000 fine for the creditor. If a creditor threatens you with financial retaliation, if they call you after nine at night or before eight in the morning, or even if they cash a post-dated check before the date on the check, you can sue them as well.
There are numerous ways that you can sue a creditor for harassment and make the problem stop. Consult a qualified attorney if you suspect you may have cause to take action against your creditors.
Raymond A. Ceresa formed the Ceresa Law Firm in 1997 to specialize in the representation of condominium and homeowners associations in Northern Virginia. Having spent over a decade at a large law firm, Mr. Ceresa started his own firm so that he could provide better and more individualized service to his community association clients than he could at a large firm. The Ceresa Law Firm provides large firm experience, with more personal service and the more reasonable billing rates of a small firm. We pride ourselves on offering exceptional customer service and promptly responding to our clients’ needs. Our firm has significant experience representing condominium and homeowners associations with covenant and architectural violations, interpretation and revision of governing documents, board of directors issues, warranty claim negotiation and litigation, assessment collection and anything in between.
Certified Public Accountant, Tax Preparation 8A and Government Contractor Accounting Accounting Review and Audits
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