Debt Collection Harassment / Debt Defense
While creditors are entitled to repayment of loans, they cannot use improper, harassing or deceptive methods in their attempts collect debt, regardless of how much is owed. The Fair Debt Collection Practices Act (FDCPA) protects borrowers from improper collection practices and provides individuals harmed by debt collectors’ illegal actions with robust remedies.
In some cases, a creditor may bring a lawsuit against you. If a court issues a judgment against you — including by default — against you, the creditor can potentially seize your assets, freeze your bank accounts, and garnish your wages.