Savannah Creditor Harassment Lawyer

Creditor Harassment

Have You Suffered Harassment by Debt Collectors in Savannah?

Falling behind on your financial obligations is a worrisome situation for most people. Wondering how you will make ends meet can lead to anxiety that results in sleepless nights, deteriorating personal relationships, and even poor health. This can be made even worse when you start getting those incessant phone calls and letters from debt collectors seeking payment. When you owe money to creditors, they have the right to take certain actions against you to recover that money. You should know, however, that they are regulated by state and federal law as to what behaviors they can engage in when seeking payment.

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20 Yrs+

Experience

500+

Satisfied Clients

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Positive Reviews

Stop Creditor Harassment

Seek Legal Help and Protection with the Law Offices of Mark A. Bandy

If you believe you have been subject to creditor actions that step over the line of persistence and into the territory of harassment, you should seek legal help. At the Law Offices of Mark A. Bandy, PC, we have helped countless Georgians with this issue. We can help stop creditor harassment and even pursue legal action against the offender on your behalf for damages. Our firm has focused most of its practice on debt issues for clients throughout the greater Savannah area resulting in 20 years of experience in this field.

Harassed by creditors? Phone the Law Offices of Mark A. Bandy, PC at (912) 331-4501 to arrange for a free consultation. You can also reach us through our online message form.

Understanding Debt Collection and Your Rights

Creditor Harassment Under the Fair Debt Collection Practices Act (FDCPA)

When you have fallen behind on paying your debts, the companies you owe have the right to pursue payment. Whether a financial institution or other agency, they will generally seek payment from an in-house department for a set period of time before your debt is turned over to an outside company, such as a collection agency. These outside companies are subject to collection practices as regulated by the FDCPA.

The FDCPA rules apply to debt being collected for credit cards, medical bills, student loans, car loans, overdue utility bills, or other financial obligations. When collection agencies engage in tactics designed to harass, intimidate, abuse, or coerce you into payment, they are in violation of the law. These tactics can occur by phone, text, email, or letter.

Creditor Harassment Under the Fair Debt Collection Practices Act

Your Rights Under the FDCPA

The following are some of the rules outlined in the FDCPA pertaining to debt collectors

they cannot call you incessantly for the purpose of annoyance or abuse; their calls cannot be made before a specific time in the morning or after a specific time at night
they cannot use profane or obscene language
they cannot threaten you either verbally or physically
they cannot tell you court actions have occurred when they haven’t
they cannot threaten to have you arrested by law enforcement
they cannot continue to contact you when you have requested by mail that they stop
they cannot call you at work when you have expressly asked them not to do so
they cannot contact third parties about your debt, such as relatives, friends, or neighbors
they must identify themselves each time they contact you
they must inform you they are a debt collector and also identify the original debt and creditor
they must inform you of your right to dispute the debt
they must follow up their initial contact with a written notice within five days

Experiencing FDCPA Violations?

Gather Evidence and Seek Legal Help for Potential Damages

If you believe you have been subject to any violations of the FDCPA, you should collect evidence and contact our Savannah creditor harassment attorney for help. Debt collectors who violate the law can be sued in civil court. You may be able to recover up to $1,000 in damages along with court costs and legal fees.

Need to discuss your case? Call us at (912) 331-4501 or contact our firm online for legal assistance today.

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“I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.”

A former client of Mark’s referred me to his firm. I called and spoke with Mark. He took the time to listen and understood my concerns. He discussed the process and time frame for filing. His staff followed up and contacted me the next day. They stayed in touch and communicated each step from the beginning to the end. I was very pleased and would highly recommend his firm. They are top notch. Thank you to Mark and his team for their help.

-Kim C

“After reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms.”

Although bankruptcy was a great option for me financially, it was also a very scary thought to process which initially made me reluctant to pursue this option. However, after reaching out to Mark my initial apprehension was immediately put to rest. Mark is very understanding and broke the process down in its most simple terms. The process was seamless, only required one office visit and one courthouse visit and by working with Mark I was able to achieve optimal results. I could not recommend Mark more and I am beyond happy that I chose to work with him.

-Ben

“I knew as early as our consultation that Mark Bandy cares for his clients.”

He and his office made my legal matter an easy and fluid process. There is now a light at the end of the tunnel for me. Thank you, Mark and Shannon, for your outstanding guidance and assistance!

-Suran

“I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.”

Mr. Bandy saved me and my financial situation when I really was at my lowest. His professionalism and follow through made the entire bankruptcy proceedings easy to process. I would recommend Mr. Bandy to any and everyone who going through a rough patch and needs help. Thank you so much.

-Former Client

“Mark and his team are incredible and helped in a tremendous way.”

Mark and his team are incredible and helped in a tremendous way. He saw the process all the way through, and informed me of any details and questions I had. Would absolutely recommend! Everyone goes through a tough time, and people like Mark are there to help.

-Josh F.

“I was worried about losing a piece of my business and he helped me keep it all.”

Mark helped answer some questions about handling my credit card companies during the Covid crisis. I was worried about losing a piece of my business and he helped me keep it all. Thanks, Mark!

-Eric

“He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK.”

Mark Bandy is by far one of the best. He is professional, reasonably priced, and makes whatever you’re going through feel like it’ll be OK. He answered any question I had, responded to calls and emails in a timely manner, and so forth.

-Bianca

“Mark and his staff were excellent.”

He made this very easy for me and provided tons of information on how to move beyond the Chapter 7. I am so grateful for the service and would recommend his staff for anyone seeking to file bankruptcy. Very patient and helpful. Thank you.

-Katherine H.

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Attorney Mark A. Bandy has over 20 years of experience successfully handling bankruptcy filings in Savannah.

Creditor Harassment

Have You Suffered Harassment by Debt Collectors in Savannah?