Tuscaloosa Creditor Harassment Attorney
Creditor harassment is not just unethical; it violates your rights under the law. If you are dealing with creditor harassment, you do not have to just endure it. You can fight back, and I am here to help you do that. I am Attorney Marshall A. Entelisano, and for 25+ years, I have worked to protect the rights of individuals and businesses throughout Tuscaloosa County. I offer affordable legal services that can provide relief from creditor harassment.
When you need a creditor harassment attorney in Tuscaloosa, call my firm at (659) 336-2597. Free, confidential consultations are available.
Common Examples of Creditor Harassment
Creditor harassment can take many forms, and it is important to know your rights when faced with it. As above, you do not have to simply accept the harassment. You can take legal action against creditors who use illegal tactics and seek damages.
Some common examples of creditor harassment include:
- Repeated phone calls at all hours of the day or night, even after you have asked them to stop
- Using threats or abusive language to intimidate you into making payments
- Sharing your personal information without your consent in an effort to pressure you into making payments
- Constantly sending letters or emails requesting payment, sometimes multiple times a day
- Contacting friends, family members, or employers about your debt
- Receiving a call from a debt collector who will not identify themselves
Should you feel concerned that you have been subject to harassment, do not hesitate to contact my firm. Together, we can review creditor actions and determine whether you can make a case against them.
Creditor Harassment Laws
Numerous federal and state laws are in place to protect individuals and businesses from creditor harassment. The Fair Debt Collection Practices Act (FDCPA) offers some of the strongest consumer protections. It prohibits debt collectors from making threats of violence, using obscene language, lying about debt, or making repeated, annoying calls. The Telephone Consumer Protection Act (TCPA) also prohibits debt collectors from using automated calls or text messages without consent.
Alabama’s Debt Collection Statute of Limitations
The statute of limitations in Alabama determines how long creditors have to file a lawsuit after you default on a debt. It varies based on the type of debt and can range from three years for open-ended accounts (like credit cards) to six years for written contracts (like personal loans). Once this timeframe passes, creditors cannot legally sue you for the unpaid debt. If they continue to harass you, it is considered a violation of your rights under the FDCPA.
Steps to Take If You Have Experienced Creditor Harassment
One of the most important things you can do if you experience creditor harassment is keeping a record of your interactions. This includes saving voicemails, screenshots of text messages or emails, and any letters or notices you receive.
Some other steps you can take include:
- Sending a written notice to cease communications. Legally, they must stop after you deliver this letter. You may report the collector to the Federal Trade Commission (FTC) if they do not.
- Take legal action. If the harassment continues or is especially severe, you may take legal action against the collector or creditor. As above, you can report them to the FTC; you may also file a complaint with the Alabama Attorney General.
- Contacting a debt collection defense attorney. An experienced lawyer like myself can advise you on proceeding after experiencing creditor harassment. I can negotiate with creditors, handle all paperwork, and represent you in legal proceedings.
- Filing for bankruptcy. It could be in your best interests to pursue bankruptcy or another debt relief option. Once you file, an automatic stay goes into effect, halting creditor actions. After completing bankruptcy, you can also get a fresh financial start.
Protect Your Rights Against Creditor Harassment
No one should endure constant calls, threats, or other forms of creditor harassment. If you have been subject to these things or other forms of mistreatment, do not hesitate to contact The Law Firm of Marshall A. Entelisano. My team and I are ready to listen to your story and help you fight for justice.
To speak with a Tuscaloosa creditor harassment attorney who truly cares about his clients' well-being and futures, call (659) 336-2597 or reach out online.
Why Choose The Law Firm of Marshall A. Entelisano?
Proven Success, Thousands Helped
-
Compassionate Guidance, Honest SolutionsWe understand the stress of financial struggles and are here to help with honesty and care. You’ll work directly with an experienced attorney who provides clear, upfront guidance—no hidden fees, no surprises.
-
Trusted Debt Relief in AlabamaFor over 25 years, we've helped thousands of people just like you eliminate financial stress, stop creditor harassment, and regain control of their future. We don’t just provide legal solutions—we offer hope and a clear path forward.
-
Convenient Payment PlansWe believe financial relief should be accessible to everyone. That’s why we offer flexible payment plans to fit your budget, so you can get the help you need without added stress.
-
We Provide Free ConsultationsWe offer a completely free and confidential consultation to discuss your financial situation and find a path to relief. Whenever you're ready, we're here!
