Committed to Helping Our Clients Get the Fresh Start They Deserve

Credit Harassment Attorneys in Orange County

Effectively Stopping Creditor Harassment

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.

Let us provide the help you need; call us now to at (949) 245-6288 to schedule a free consultation with one of our bankruptcy attorneys in Orange County!

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 bankruptcy attorney in Orange County should be a top priority.

Don't waste any more time; call us today at (949) 245-6288 to speak to an experienced bankruptcy attorney in Orange County! Call now for your free consultation.

Dedicated to Providing Quality Representation

How We Have Served Our Clients
  • “He's extremely knowledgeable and knows exactly what he's doing. ”

    Nicole L.

  • “I couldn't be happier with my choice for legal representation.”

    Jason B.

  • “He personally called me back to give me the info I needed. I would recommend him to ANYONE! ”

    Candace S.

  • “Mr Tosti is the best! He is very kind and highly respected.”

    David W.

  • “Mr. Tosti takes care of business, & gets the job done. He doesn't settle until he knows his client has been compensated very well.”

    Ericka P.

  • “I think Tosti is a competent attorney who will do what he can to optimize your case and ensure you the proper treatment for your injuries.”

    Alicia H.