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West Virginia Credit Harassment Attorney

Unfortunately, many hard working individuals and families in West Virginia can find it difficult to pay all of their bills, forcing them to deal with collection calls on a regular basis. However, creditors and debt collectors are not above the law. When debt collectors become threatening or aggressive, these calls can turn into a nightmare. West Virginians have rights that protect them from aggressive debt collectors who don’t follow the law. Many of these rights are contained in the Fair Debt Collection Practices Act and the West Virginia Consumer Credit and Protection Act, which limit the types of collections methods creditors can use. Just because you owe a debt doesn’t mean you should be threatened or harassed.

At the Manchin Injury Law Group in Fairmont, WV, our credit harassment lawyers can evaluate your situation to determine whether the actions of a debt collector are permissible and can hold debt collectors responsible when they don’t follow the law.

Often when a person receives collection calls they feel helpless, but remember that it is possible to stop unwanted phone calls and creditor harassment. Among other things, debt collectors are not allowed to:

  • Threaten violence or harm
  • Call you at unreasonable hours
  • Say that you will be arrested if you do not pay
  • Give untrue credit information about you to others
  • Threaten to take your wages or property when they are not legally able to
  • Use a fake company name
  • Harass you
  • Make untrue statements
  • Claim they are attorneys when they are not
  • Lie about the money you may owe
  • Contact others to collect a debt from you

If you are being harassed by debt collectors, call the Manchin Injury Law Group. We offer free initial consultations, and most consumer protection laws allow the winning Plaintiff to collect monetary damages, costs and attorney fees from the defendant.