Oak Hill Office
417 Main St. E
Oak Hill, WV 25901
Standing Up for West Virginians
Our Results
Show AllFAQS
The Fair Debt Collections Practices Act (FDCPA) is a federal law that prohibits debt collectors from placing repeated harassing phone calls, making false threats of illegal or unintended acts, and misrepresenting the amount, status or character of the debt owed.
In a Chapter 7 bankruptcy, an individual will typically have mostly consumer debts. The trustee will liquidate or sell certain property, using the proceeds to pay creditors. In a Chapter 13 bankruptcy, an individual keeps his or her property and follows a three to five-year court-approved repayment plan. These payments are used to pay creditors.
The TCPA is another law that helps fight debt collector harassment over the phone. The law restricts the use of automatic dialing systems (robocalls) and prerecorded messages, among other protections.
Our Blog
Show All-
Benefits of Hiring a Bankruptcy Lawyer
By Caroline Cornell
April 17, 2023
-
Special Issue – Credit Reports
By Caroline Cornell
December 23, 2022
-
Must I Repay All My Debts in Chapter 13? Not Necessarily
By Caroline Cornell
December 05, 2022