New York Bankruptcy Attorneys
Call for Your Free Consultation
Creditor Harassment Helping Small Businesses and Individuals Eliminate Debt

Creditor Harassment Lawyers in White Plains, NY

Reputable & Competent Legal Representation

One unfortunate result of failing to pay your debts in a timely manner is creditor harassment. While creditors and collection agencies are allowed to contact you via phone, mail, or email, they are subject to state and federal rules prohibiting harassing or abusive behavior. If you find that you have been harassed by a creditor or collection agency as an individual or as a business, you may have legal recourse.

Aside from using solutions like bankruptcy to resolve your debt, you can discuss how to fight back against creditor harassment with one of our attorneys at the Law Office of Charles A. Higgs. Our firm is dedicated to helping you resolve all aspects of your financial dilemma and can take legal action on your behalf to protect you and even sue a creditor who has violated state or federal laws. We understand that falling behind on your financial obligations, whether as an individual or a business, is stressful enough without further abuse from creditors.


Talk to one of our White Plains creditor harassment attorneys by calling (917) 791-2151 today.
We are ready to help you explore all your legal and financial options.


The Fair Debt Collection Practices Act (FDCPA)

The FDCPA outlines strict laws when it comes to harassing, abusive, or misleading behavior levied against consumers by creditors and collection agencies or anyone a creditor hires to collect on a debt. This federal law applies to all kinds of debt, from credit card bills to vehicle loans, medical or dental bills, utility bills, or mortgages.

Under the FDCPA, the following behaviors are prohibited:

  • Threatening physical violence
  • Using profane language
  • Making repeated phone calls and intending to annoy or harass
  • Threatening to engage in illegal actions against you or your property
  • Threatening to start a lawsuit when not intending to follow through
  • Making false statements about the source of the debt or what is owed
  • Claiming to be part of law enforcement or another government agency
  • Claiming to be an attorney
  • Billing you for fees or fines that are not part of what you legitimately owe
  • Calling before 8 a.m. or after 9 p.m.
  • Contacting you when you have hired an attorney to represent you
  • Contacting your employer when you have expressly asked them not to do so
  • Contacting or threatening to contact third parties about your debt, such as relatives or neighbors
  • Contacting you after you have expressly asked them to cease and desist (unless the communication concerns actions being taken that are allowed under the law)

If a creditor violates any aspect of the FDCPA, you may be able to initiate a lawsuit against the company, seeking up to $1,000 in damages along with any court costs and legal fees.

The state of New York also provides its own set of regulations regarding how a creditor may deal with consumers. Under the New York State of Financial Services, creditors must provide you with a disclosure when first contacting you which states your protections under the FDCPA. It also must inform you that certain types of income cannot be seized to pay your debt. These are just a few of the state-specific regulations that protect you, and our attorneys can inform you on all aspects of both the FDCPA and the state’s regulations regarding creditor behavior and action.

Get competent and compassionate legal assistance from the Law Office of Charles A. Higgs.
Contact us online or call (917) 791-2151 today.

Meet Our Experienced 
& Dedicated Attorneys

See What our Clients Have to Say 

Real Stories From Real People 
  • “Mr. Higgs followed my case from start to finish and did an excellent job.”

    - Beth
  • “He was able to walk me through this process so I could put my debt issues behind me.”

    - Former Client
  • “Mr. Higgs took the time and energy to understand every nuance, proposed alternative strategies, and in a single day.”

    - John

What Sets Us Apart?

  • Customer Care

    Clients can expect quick response times, transparent communication, a receptive listener, and straightforward counsel.

  • Experience

    We have over a decade of experience in handling bankruptcy filings. 

  • Free Consultation

    We offer free consultations to those who are interested in filing with us.

  • Guidance

    We take the time to walk you through the process, step by step.

  • Highly Skilled

    We are highly knowledgeable in all facets of bankruptcy law.

Ready to Get Started?

Schedule Your Free Consultation Now
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.