West Virginia Unfair Debt Collection Attorney
Not everyone who is living under overwhelming debt needs to file for bankruptcy. While bankruptcy is a powerful tool, often there are other means to fight debt collectors who may be taking unfair steps in pursuit of a debt. The harassment that debt collectors use to make people pay on debts can sometimes be illegal.
Taking the time to speak with one of our attorneys about what you have been experiencing can be the first step toward putting an end to creditor harassment. You have rights and we know how to enforce them. Do not let unscrupulous debt collectors ruin your peace of mind.
Stop Creditor Harassment
The law in West Virginia is unique. If you are a debtor who has hired a lawyer, it’s illegal for your creditors to keep calling you. This is the law across the country, but in West Virginia, there are penalties and damage awards to compensate creditor-harassment victims, as well as making the creditor pay your attorney fees.
At Broadwater Law Group, we understand the power imbalance that exists between creditors and the average person. Too often, it can seem like the creditors and their debt collectors have all of the power in a situation. After successfully settling hundreds of consumer harassment cases, our attorneys know how to more than level the playing field for our clients. Our knowledge of the law, especially the Fair Debt Collection Act, and how to make it work for those who are suffering from creditor harassment helps us guide clients to a more financially stable tomorrow.
They will stop the harassment or we will make them pay.
What We Can Do For You
People are shocked to learn that a creditor harassment lawsuit might be able to help them avoid bankruptcy and make the creditor pay for its unlawful conduct. It’s amazing watching people’s reactions when they learn their rights.
The common creditor harassment case looks something like this:
- Bankruptcy: A client comes in for bankruptcy as a solution for insurmountable debt. As part of the bankruptcy process, the client tells the creditors that our counsel has been retained.
- Creditors continue harassing the client: West Virginia law is clear that once counsel is retained, the creditors must call the lawyer and never call the debtor about it again. But many creditors continue to call the clients and violate our laws.
- Lawsuit: We sue the creditors under West Virginia debtor-protection law, which provides for statutory damage awards for creditor harassment. If your debtors keep calling you after you hire a lawyer and ask them to stop calling you, they must stop or face our attorneys who protect your rights.
Often our clients who come to us for bankruptcy proceedings end up not needing it. We have stopped the creditors from harassing them and settle their debt.
Statute of Limitations on Debt in West Virginia
A debt can weigh heavily on your mind for an extended period of time. However, it is important for consumers to know that there are laws that protect them. Many people do not know that debt collectors can only attempt to collect on a debt for a set period of time.
The law sets a statute of limitations on debt, limiting how long you can be sued on a debt. After this time has expired, wages can no longer be garnished and debt collectors must disclose the fact that there is a statute of limitations to the consumer.
In West Virginia, consumers are protected by the Fair Debt Collection Practices Act (FDCPA) and the West Virginia Consumer Credit and Protection Act (WVCCPA). We use our knowledge of these laws when handling all of the details of your debt collection case. Our firm contacts the creditors on your behalf, obtaining verification of the debt, how the creditor came to that conclusion and gathering all additional details in order to take action against the creditor.
Most people are unaware that a statute of limitations on debt even exists. Our firm can defend against any claim and review any claims if you have been lied to. We take the time to explain the process of seeking a resolution to the debt and your options. Contact our unfair debt collection practices attorneys today to learn more about how we can protect your rights against creditor harassment.
We offer our exceptional representation to those who need assistance in stopping creditor harassment, including such activities as:
We also offer our counsel to those who are seeking to educate themselves on debt consolidation.
Contact the Creditor Harassment Lawyers of Broadwater Law Group
Time is of the essence. The sooner you get us helping you, the more we can do to help you get the relief you need. When you have been subjected to unfair debt collection practices, turn to the highly skilled and experienced West Virginia unfair debt collection lawyers of Broadwater Law Group. To schedule a free initial consultation, simply contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.