Consumer Rights

    Are you being harassed by abusive debt collectors, collection
    attorneys, and creditors?  We can help.

    KNOW YOUR RIGHTS.
    There are numerous protections available to consumers under both federal and
    state law.  It is important that you know your rights as a consumer so that
    you can better protect yourself from aggressive and abusive debt collectors
    and creditors.  Below is a brief overview of your rights under federal and state
    law:

    Fair Debt Collection Practices Act (15 U.S.C. 1692, et seq.)
    The federal statute known as the Fair Debt Collection Practices Act, or FDCPA,
    provides many important protections to individuals, and subjects debt
    collectors and collection attorneys to stiff penalties for violating the provisions
    of the Act.

    Under the FDCPA, debt collectors and collection attorneys may not:
  • Engage in harassing activity in an attempt to collect a debt (this prohibition means
    that debt collectors cannot use abusive language, threaten violence or harm, call
    you repeatedly, or call you without identifying themselves);
  • Contact you before 8 a.m. or after 9 p.m.;
  • Contact a third party about your debt;
  • Contact you if you are represented by an attorney;
  • Make false statements;
  • Threaten legal action that they don't intend to pursue;
  • Use deception or lie to you;
  • Engage in any unfair behavior or conduct in an attempt to collect a debt.

    Under the FDCPA, you have the right to:
  • Dispute the debt and request validation of the debt;
  • Sue a debt collector or collection attorney who has violated your rights under the
    FDCPA (suit must be filed within one year of the violation).

    What to do if you are being harassed by a debt collector or collection
    attorney...
  • Keep a call log of all telephone calls that you receive from a collector, including the
    name of the caller, the name of the collection agency or law firm, the date, time,
    and nature of the call, and all specific comments made to you by the collector;
  • Save copies of all collection letters that you receive from the collectors;
  • Save all voice mails and messages that you receive from the collectors;
  • Contact the Grand Law Firm immediately at (225) 769-1414 or at
    info@grandlawfirm.com for your free initial consultation.  We can help you protect
    your rights and can stop the harassment that you are suffering at the hands of
    abusive collectors.

    Louisiana Collection Practices Law (LSA R.S. 9:3562)
    While the FDCPA is only applicable to third party debt collectors, Louisiana has
    a consumer statute that applies to the original creditor.  Section 3562 of Title 9
    of the Louisiana Revised Statutes prohibits original creditors from contacting
    third parties about your debt and limits a collector's contact with you after the
    collector receives written notice to cease communications.

    Louisiana Consumer Protection and Unfair Trade Practices Act (LSA
    R.S. 51:1401, et seq.)
    Louisiana also has a consumer statute that provides a remedy to consumers
    who have suffered an ascertainable loss due to the unfair practices of another
    party.


    If you are being harassed by abusive debt collectors or
    if a collector is attempting to collect on a debt that was
    discharged in bankruptcy, CALL THE GRAND LAW FIRM
    TODAY FOR YOUR FREE INITIAL CONSULTATION...
    (225) 769-1414...WE CAN HELP.
BANKRUPTCY CLINIC
Louisiana Bankruptcy & Consumer Protection Lawyers
A Division of the GRAND LAW FIRM
Baton Rouge, Louisiana

GRAND LAW FIRM

Louisiana Bankruptcy Attorneys
Louisiana Consumer Protection Attorneys
Louisiana Personal Injury Attorneys

10537 Kentshire Court, Suite A
(off Bluebonnet Boulevard between
Highland Road and Perkins Road)
Baton Rouge, Louisiana 70810

Telephone: (225) 769-1414
Facsimile: (225) 769-2300
Email: info@grandlawfirm.com
Main website: www.grandlawfirm.com
Blog: http://bankruptcyclinic.blogspot.com


If you are being harassed by debt
collectors or if you are experiencing
financial hardship, please call our office
today at (225) 769-1414 to set up your
free initial consultation.

The Bankruptcy Clinic is a division of
the Grand Law Firm that focuses on
representing consumer debtors in
chapter 7, chapter 13, and chapter 11
bankruptcy cases, and on representing
consumers that have been harassed by
debt collectors and collection attorneys.  
The attorneys of the Bankruptcy Clinic
are members of the National Association
of Consumer Bankruptcy Attorneys,
the American Bankruptcy Institute,
and the National Association of
Consumer Advocates.  
The attorneys of the Bankruptcy Clinic are federally designated debt relief agencies.  
We help people file for bankruptcy protection under the provisions of the United States Bankruptcy Code.