It is not just creditors who have rights under state and federal law. People who owe money have rights, too. It is critically important for anyone who is struggling with overwhelming debt and creditor harassment to understand we can help you assert your rights and stop the phone calls for good.

Questions? Please visit our Bankruptcy FAQs. To learn how our creditor harassment attorneys have helped clients in North Texas deal with overwhelming debt, harassing phone calls and creditor harassment for years, please view our Client Testimonials or call 972-608-0335 for a free consultation.

You Have Rights. We Can Protect You.

State and federal law restricts what actions creditors and collections agencies can take in order to collect a debt. For example, the federal Fair Debt Collections Practices Act (FDCPA) and the Texas Deceptive Trade Practices — Consumer Protection Act (DTPA) prevent creditors from using many underhanded tactics, such as:

  • Pretending to be what they are not (saying they are a lawyer or a member of a law enforcement agency);
  • Calling your home after 9 p.m.;
  • Contacting a neighbor, friend, family member or boss to discuss your debt;
  • Threatening to call the police or stating that you will go to jail unless you pay (there are no debtors' prisons in America);
  • Trying to collect a debt that has been paid or discharged;
  • Trying to collect in excess of the amount of debt that is owed plus authorized fees;
  • Threatening to sell or repossess your property without proper court proceedings;
  • Use of threatening or obscene language or taking any actions intended to annoy, harass or threaten your family.

The moment you feel you are being harassed or threatened by a creditor or debt collector, you should contact our attorneys who can put an end to the abuse. At Pelley Law Office, L.L.P., we do not put up with creditor harassment. We can make the phone calls stop.

Contact Pelley Law Office, L.L.P., Today

We invite you to call us at 972-608-0335 to schedule a free confidential consultation with an experienced bankruptcy lawyer. You can also contact us by email now to request an appointment to discuss your options. You will be under no obligation to hire us. We look forward to speaking with you and explaining how we can help.

The most accurate way of predicting attorneys' performance in the future is to examine the results they have achieved in the past.