Collection Harassment Attorney in San Jose

Protecting Consumers from Abusive Debt Collectors Throughout California

Many people are dealing with financial hardships due to the current recession and our tough economy. As a result, many people have lost their jobs or are suffering with financial problems, making it harder for them to pay their debts. Unfortunately, many people are now being harassed and abused by collection agencies and overly aggressive creditors. If you are being abused by debt collectors, a San Jose collection harassment attorney can help you protect your rights and fight illegal collection practices. Attorney Ronald Wilcox has over 15 years of experience in the legal field and is dedicated to helping consumers stop collection harassment.

Collection agencies are regulated by federal law and must comply with the Fair Debt Collections Practices Act (FDCPA). Original creditors (like credit card companies and car loan creditors) are also regulated by the California Fair Debt Collection Practices Act. These federal and state laws can be used to STOP collection agencies and creditors from violating your rights. These laws can also be used to hold collection agencies and creditors accountable when they violate your rights!

Find out more about your rights against collection harassment by reviewing the links below:

• Report Collection Abuse
• Know Your Rights
• Find a Debt Collector
• How the Debt Collection Industry Works
• What Debt Collectors are Prohibited from Doing
• What to Do if You are Being Abused and Harassed
• How to Stop Creditor Harassment
• Recording Phone Calls
• When Should I Contact an Attorney?
• Should I Sue a Debt Collector?

Some collection agencies harass and abuse consumers in their attempts to collect debts. Repeated and continuous telephone calls, false threats of arrest or legal action, calling your neighbors or co-workers, are just some of the unlawful tactics used. Many times a debt collector's actions violate federal and/or state law. We can help you STOP the collection agencies' abusive practices and end the stress and anxiety caused by these overly aggressive collection tactics.

Know your rights! Don't let collection agencies take advantage of you. Our law firm can protect you from collection harassment and abuse. Just give us a call and we would be happy to talk to you on the phone. If you are having trouble dealing with collection agencies and creditors, contact San Jose debt collection harassment lawyer Ronald Wilcox.

Creditor Harassment Lawyer Serving San Jose, CA

What We Do

Our law office assists people who are abused and harassed by debt collectors.

How We Do It

The consumer protection laws below require debt collectors and creditors pay the consumer's legal fees and costs, if the consumer can prove the debt collector or creditor violated their rights.

This means we may take your case without you having to pay us anything up front.

Federal Law Protects Consumers - Fair Debt Collection Practices Act

Back in 1978 the U.S. Congress created the Fair Debt Collection Practices Act, after finding:

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy."

Simply put, the FDCPA prohibits any false, deceptive or misleading practices in an attempt to collect a debt. It also prohibits debt collectors from harassing, abusing or annoying consumers. In essence, the FDCPA says a debt collector cannot lie, cheat, steal, or use any unfair practices in an attempt to collect a debt.

California Law Protects Consumers - California Fair Debt Collection Practices Act

Around the same time the U.S. Congress created the Fair Debt Collection Practices Act, the Legislature enacted California's Rosenthal Fair Debt Collection Practices Act, after finding:

The banking and credit system and grantors of credit to consumers are dependent upon the collection of just and owing debts. Unfair or deceptive collection practices undermine the public confidence which is essential to the continued functioning of the banking and credit system and sound extensions of credit to consumers."

Who the Law Applies To

Debt collectors (i.e. collection agencies and collection law firms), and creditors (banks, credit card companies, etc.) attempting to collect their own debts in California, need to abide by the laws above-even if the consumer owes the debt!

Why You Need to Contact a San Jose Collections Defense Attorney

If you owe any amount to a creditor or a lender, and a collections agency is constantly harassing you and violating your rights, do not hesitate to involve an attorney from our law firm. We have a significant amount of experience in this area of the law and can use our knowledge and understanding to your benefit. Whether you want to explore your options of holding these abusive debt collectors accountable for their unlawful actions or you simply want to stop the collections calls, your first step should be to speak to our law firm. With a San Jose collection harassment lawyer on your side, you can rest assure knowing that your rights are fully protected. Our law firm also serves residents of Santa Clara, Milpitas, Sunnyvale, Cupertino, Fremont, Palo Alto, and all nearby locations.

Contact a San Jose collection harassment attorney from our firm today to learn more about the options you have!