Beckley, West Virginia   |   304.362.6594   |   Toll Free: 1-800-779-3231


Dealing with Debt Collection Harassment

Everyone has debt these days, and with the economy the way it is, it can be hard to make ends meet and pay all of your bills on time. The Fragile Law Firm knows the last thing anyone needs is debt collection harassment by companies trying to collect on a bill, or who are rude with you when you try to make arrangements to pay on your debt.

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Do Not Live in Fear of Your Debt Collections, You Have Rights

Debt collectors do have rules they are supposed to follow that are set out by the state, the Federal Trade Commission, and the Consumer Financial Protection Bureau. When they are calling at strange times, or contacting employers, friends, or neighbors, threatening to garnish your wages or have you arrested, it is time to take appropriate action. You need not live in fear of the next phone call, or worry that a person who works for a collection agency that has a quota of calls to meet continually disrupt your peace of mind.

Persons with debt do not have to tolerate rude calls or crude language when it comes to collecting a debt, either. Often, right over the phone, people feel bullied and can be verbally abused – all because someone else is in a position to take advantage and coerce them into paying. The caller does not care to know the personal story behind the debt, or the reason why it hasn’t been paid. All they know is how to be nasty to someone on the other end of the line. You have rights, and it is in violation for debt collectors to harass you, so contact the Fragile Law Firm if you have been harassed by a debt collector.
Fragile Law Firm, an experienced auto accident lawyer, will go after all parties responsible for the most complex accident lawsuit, including commercial operators, equipment manufacturers, other negligent drivers, and governmental entities. This means that your case will be investigated fully and your right to recovery pursued.

Fragile Law Firm Will Help You Manage Your Debt Situation

When you find you are the target of such abuse, bullying, and debt collection harassment, let the Fragile Law Firm work with you on managing your situation. We can keep the debt collectors off your back and help you work out a manageable way to satisfy whoever is trying to collect your debt.

Managing Credit Problems with Fragile Law Firm

Being hounded because of debt may only be part of your financial story. On the proactive side, there can be just as many issues with trying to obtain credit, especially if you have had a history of credit blemishes. Too often, people attempt to get a loan or line of credit for an important purchase, such as a house, car, or major appliances, only to find that they have outstanding items on their credit report that keep them from getting approved.

With so many of today’s customer service inquiries being handled by firms outside of the U.S., clearing accounts that appear on your credit file that are more than seven years old may seem like a major hassle. People are more inclined to ignore the declination and shrug it off than to keep accurate records and pursue an investigation in order to clear off whatever balances or statements might appear. With an average of 40 million Americans having mistakes on their credit report (and around 20 million of those are serious), it all adds up.

We Will Work With You to Help Eliminate Your Debt

Working with an attorney to clear up your credit report not only restores your good name in the eyes of the creditors; it sends a strong message to them that they need to reflect accurate records promptly. We will explain the process and work out a plan with you that will get you through from start to finish. If you have been denied credit, you can request a copy of the credit report the lender used, but if you are unable to get it, we can obtain it for you.

If you have been trying to clean up your credit report or eliminate your debt and find yourself frustrated, we can help with that as well. Bring all of your records in with you to the consultation with Fragile Law Firm and, together, we can help get your credit report back on track.