Get the Fresh Start They Deserve
Irvine Creditor Harassment Attorneys
End Creditor Harassment Today! Call (949) 245-6288
If you're dealing with harassing phone calls and constant contact from your creditors, we may be able to help. Mounting debt can prove stressful for individuals and companies alike, and you shouldn't have to endure harassment that only adds to that stress. At The Law Offices of Joseph M. Tosti, APC, we believe in working hard for our clients who have come upon financial misfortune. For over 30 years, we have been able to bring successful conclusions to thousands of cases. Based in Irvine, we proudly offer Spanish language services and free consultations with a bankruptcy attorney. If you're prepared to move towards a solution to your problems, our law office is the firm for you.
Is Creditor Harassment Legal?
At The Law Offices of Joseph M. Tosti, APC, we let our clients know that creditor harassment is illegal. In fact, The Fair Debt Collection Practices Act (FDCPA), a federal law, was put in place to protect consumers from being harassed and prohibits certain debt collector behavior. If you are being contacted by debt collectors, you should understand what they're legally required to do, and what they're legally prohibited from doing.
According to the FDCPA, debt collectors are required to:
- Identify themselves as collectors each time contact is made with the consumer
- Inform the consumer that he/she can dispute the debt with the creditor
- Give the consumer the name of the original creditor
- Provide the consumer with proof of the debt
Debt collectors are also prohibited from doing certain things when making contact with consumers, including calling during the early morning or late evening, calling repeatedly, and contacting the consumer at their place of employment or after they've filed for bankruptcy. If you believe that you are being harassed by a creditor, reaching out to a competent creditor harassment attorney in Irvine should be a top priority.
Advice & Guidance Invaluable
“Joe's advice and guidance, before, during, and after my bankruptcy were invaluable!”
“Kathe kept me abreast of the entire process and was very communicative.”
“It was a great experience for what it is, with everything completely done with out complications. Joe tosti law offices is honest , quality attorney.”