Creditor Harassment in Highland Park

Over 50 Years of Guidance for Collection Pressure & Debt

Aggressive collection tactics can raise questions about both the collector’s conduct and the debt itself. Law Offices of Marshall D. Schultz serves consumer debtors in Highland Park, MI, by evaluating creditor-harassment concerns alongside possible bankruptcy protections. We help individuals understand which legal option fits their circumstances.

Our firm has assisted more than 12,000 consumers with debt, bringing substantial bankruptcy-law experience to each evaluation.

Call (888) 822-6730 to arrange a free initial consultation about the collection activity and debt you’re facing.

Conduct Restricted by Federal & Michigan Law

The Fair Debt Collection Practices Act limits how third-party debt collectors may pursue consumer debts. We evaluate potential protections under this federal law and the Michigan Regulation of Collection Practices Act.

Restricted conduct can include:

• Using threats of violence, obscene language, harassment, oppression, or abuse.
• Making repeated calls intended to annoy or pressure a consumer.
• Calling before 8 a.m. or after 9 p.m.
• Impersonating an attorney or threatening arrest over a debt.
• Contacting family members, friends, or an employer about the debt.

The federal law generally applies to third-party debt collectors, including collection agencies, debt buyers, and collection lawyers, rather than directly to the original creditor. That distinction matters because federal and Michigan protections can cover different conduct. We have extensive experience filing lawsuits against creditors for people who have been harassed or abused. If a collection agency is found to have violated applicable law, it may be required to pay damages and attorney fees associated with the lawsuit, but each potential claim requires individual review.

How We Evaluate Harassment Claims & Bankruptcy Options

We begin with a free initial consultation. There’s no charge for a simple conversation about who’s contacting you, what the collector has said or done, and the type of debt involved. Because creditor-harassment claims and bankruptcy address different legal questions, we consider each option separately along with other ways to manage debt.

When bankruptcy is suitable, our support can include:

• Exploring debt-relief options in light of your financial circumstances.
• Preparing and managing the bankruptcy filing.
• Representing you in court and at creditor meetings.
• Facilitating communication with the bankruptcy trustee.

Discuss Creditor Harassment in Highland Park, MI

A free consultation can clarify your debt-relief and legal-protection options without committing you to a particular course of action. Our contact form provides a place to describe the collection activity you’ve experienced.

Call (888) 822-6730 to schedule your free consultation with Law Offices of Marshall D. Schultz.