St. Louis, Missouri, Fair Debt Collection Act Lawyer

You're not a bad person — maybe you got behind in your debts because you lost your job, or got a divorce. Maybe you got behind because of a significant health problem. Maybe you unintentionally over-extended yourself. You're not a bad person. You just made a mistake.

Clayton Creditor Harassment Attorney

Whatever reason there is for you getting behind, or being unable to make car payments, credit card payments, or other personal or family debts, you have the right to be treated with respect. Unfortunately, when debt collection companies get involved, this is often not the case.

Attorney Jim Simeri, located in St. Louis, Missouri, takes negative or illegal actions by debt collectors very seriously. The practices of collection agencies are governed by a law called the Fair Debt Collection Practices Act. This act allows you, the consumer, to collect actual and punitive damages from a collection agency if it does not follow the law when contacting you.

St. Louis Debt Harassment Lawyer

Many people are unaware what restrictions collection agencies must abide by. Some of the things they are precluded from doing are:

  • Contacting you outside the hours of 8 a.m. and 9 p.m.
  • Calling you at work, if you have told them not to
  • Repeated phone calls, meant to annoy
  • Using obscene or profane language
  • Threatening that you will be arrested if you do not pay the debt

This is just a small sample of the tactics that are forbidden to collection agencies. If you have been harassed by a collection agency, contact attorney Jim Simeri, for an initial consultation.