Creditor Harassment

San Diego Creditor Harassment Relief Lawyers

Get Immediate Relief from Creditor Harassment

When you have been burdened by the weight of debt, it can feel like you are carrying the entire world on your shoulders. No matter what you do, it seems like when you turn around there is another bill to be paid. As you struggle to work longer hours and gather any savings to pay your debts, the last thing you need is continuous emails, phone calls, and even personal confrontations with creditors, repeatedly harassing you to immediately return the money you supposedly owe.

Unfortunately, in this time that is already very stressful, creditors and debt collectors make life even more difficult by constantly heckling debtors, often very late at night or early in the morning. However, as ordered by the federal Fair Debt Collection Practices Act, creditors are directly forbidden from using deceitful and unjust strategies to try to collect debts. They also cannot harass you through continual bombardments of calls and emails. If you are being accosted, seek counsel from our San Diego creditor harassment attorneys, so that Debt Relief Legal Clinic can give you the support you really need.

Call us today at (619) 639-9228 to find out how you can get rid of aggressive collectors immediately through filing for bankruptcy.

Know Your Rights Against Debt Collectors in California

Along with federal edicts, California’s Fair Debt Collections Practices Act is crucial because it shields many debtors from being heckled. It is helpful to know the manner of behavior that debt collectors may not engage in so that you understand just how you will be protected.

As designated by the laws of the FDCPA, creditors and debt collectors are legally barred from such behavior as:

  • Calling multiple times a day to harass for debts to be collected
  • Using violence or threats of a violent or sinister nature
  • Indicating or suggesting disastrous consequences
  • Trying to gain money that was never justified, including supposed “penalties” and “additional fees”
  • Seeking to gain a debt that should have expired due to its age, which is four years in the state of California
  • Using scare tactics that are false in nature
  • Phoning in the evening or the early morning, when you and your family could be resting or sleeping
  • Creating reports about the debtor that are false
  • Continuously trying to contact you even if you have specifically requested against this, either orally or in writing
  • Emailing or sending letters which including any misleading, deceptive, or false information
  • Calling you at work when you have requested against this
  • Using offensive and profane language
  • Sending emails or letters that have been made to falsely represent an “official” document

Bankruptcy: The Key to Stopping Creditor Harassment

The fastest way to get rid of aggressive creditors and debt collectors is by filing for bankruptcy.

The moment that you make your bankruptcy application, you will immediately get something called an “automatic stay.” This status provides immediate relief since it prohibits any further attempt of collecting debts, including foreclosure and repossession actions. Our knowledgeable San Diego creditor harassment lawyers are ready to aid you in filling out your application so that you can finally experience calm and peace from your financial anxiety.

Contact us now at (619) 639-9228 for a free consultation and immediate peace of mind.

Understanding Creditor Harassment in San Diego: Local Insights and Resources

Living in San Diego, you may find that the cost of living can be overwhelming, especially with rising housing prices and everyday expenses. If you are facing creditor harassment, it can add an extra layer of stress to an already challenging situation. Local residents often experience relentless calls and messages from debt collectors, which can feel invasive. Fortunately, you are not alone in this struggle, and there are resources available to help you navigate these tough times.

In San Diego, the City of San Diego provides various resources for residents dealing with financial difficulties. The San Diego County also offers programs aimed at financial education and assistance, which can be invaluable when dealing with debt. Understanding your rights under both federal and California state laws is crucial, as these laws are designed to protect you from aggressive collection tactics.

Many residents report feeling overwhelmed by the constant pressure from creditors, especially during economic downturns or personal financial crises. The emotional toll of creditor harassment can lead to anxiety and sleepless nights, making it essential to seek help. Our team understands the unique challenges faced by residents in areas like Chula Vista and La Jolla, where the cost of living can strain finances. We are here to provide guidance and support tailored to your specific situation.

Remember, you have the right to request that debt collectors cease communication with you. If you feel that your rights are being violated, you can report these actions to the Consumer Financial Protection Bureau or the California Attorney General's Office. Taking these steps can help you regain control over your financial situation and put an end to the harassment.

Don't let creditor harassment dictate your life. Reach out to us today to learn how we can assist you in finding relief and reclaiming your peace of mind.

Commonly Asked Questions

What should I do if I believe a debt collector is violating my rights?

If you believe a debt collector is violating your rights, you should document all interactions, including dates, times, and the nature of the communication. Then, you can report the violation to the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general. Seeking legal counsel can also provide guidance on your next steps.

How long can a debt collector pursue me for a debt in California?

In California, the statute of limitations for most consumer debts is four years. This means that after four years, a debt collector can no longer sue you for the debt, although they may still attempt to collect it through other means.

Can I stop debt collectors from contacting me?

Yes, under the Fair Debt Collection Practices Act, you have the right to request that debt collectors cease communication with you. This request must be made in writing, and once the collector receives it, they are legally obligated to stop contacting you, except to inform you of any specific actions they intend to take.

Why Choose Debt Relief Legal Clinic?

  • Certified Bankruptcy Specialist
    Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.
  • Experienced
    Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.
  • Bilingual
    Our legal team is bilingual and serve our clients in English and Spanish.
  • Immediate Past President of NACBA
    John C. Colwell has been a member of NACBA for 25 years and is the Immediate Past President.
  • Personal Approach
    We are a family-oriented business, committed to helping you get relief from debt.
  • Affordable

    We offer free consultations and take online payments for your convenience.

Contact Us Today

We’re Ready to Help

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

  • 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.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy

Hear From Our Happy Clients

At Debt Relief Legal Clinic, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “They gave me expert advice and saved me a bundle of cash.”
    These are the nicest attorneys I have ever spoken to. They gave me expert advice and saved me a bundle of cash. They were so nice to me and responded so quickly and extensively via email.
    - Gina V.
    “Even better, he seems to honestly care about the law he practices, and the people that these laws affect.”
    I can only give a review of the half-hour I spent with Mr. Colwell, but it was a half-hour very well spent. He seems like a stand-up guy with a lot of integrity. I went into his office fully expecting to be filing bankruptcy, but instead, he talked me out of it. I was prepared to defend a hard sell, and I didn't get that at all, it was a relaxed conversation, like two people chatting over a beer. It's obvious he knows what he's talking about and is able to put the law into language that even a layperson like me can understand. Even better, he seems to honestly care about the law he practices, and the people that these laws affect. While his services weren't right for my situation, I will definitely be recommending him to anyone who might end up needing a bankruptcy lawyer.
    - Jeffrey B.
    “I wish I could give him more than 5 stars.”
    John Colwell is a great attorney. I had a difficult case but he was able to get it done. This has changed my life. I wish I could give him more than 5 stars.
    - Terry D.
    “John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services.”
    John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services, attention to our questions and knowledge in their field of law.  We would recommend anyone to this law firm.  They are specialists and you are in good hands with this talented group of professionals.
    - Allie F.
    “Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting during covid-19 pandemic to answer my additional questions prior to discharge!”

    Mr. John Colwell and his team helped me get through chapter 7 without a glitch! I'm so thankful for the support I received over the past year. I had lots of life changes this past year and I knew what I needed to do financially and who to call. I met Mr. Colwell in 2002 when I needed support and a chapter 7. He also helped my husband with his chapter 13. I was so happy he was still in downtown SD all these years later and available to meet with me when I was ready. Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom mtg. during covid-19 pandemic to answer my additional questions prior to discharge! Financial Freedom is an awesome feeling! I'm looking forward to what comes next in life!! Won't be making the same mistakes. Live and learn! I recommend it! Thank you so much! Stay safe!   

    - Lori Kalman Adkins
    “It is truly a "bankruptcy miracle", and you can have one, too. I can't say enough about DRLC!”
    Unfortunately, I had to file BK 13; but luckily, I found Debt Relief Legal Clinic. It was recommended by a friend who was worried about me because I originally filed pro se (without an attorney). I can't even imagine what would have happened if I had continued pro se. (Well, actually I do know: the case would've been dismissed immediately, and I would've been screwed) But the brilliance of this team has kept my case alive for over a year now, and I can't thank them enough! It is truly a "bankruptcy miracle", and you can have one, too. I can't say enough about DRLC, but let me put it simply, You're CRAZY if you use anyone else or represent yourself! ;)
    - Nadine B.
    “I can't say enough about how wonderful the staff and the attorneys are to work with through the process.”
    I want to recommend the Debt Relief Clinic for their wonderful service and knowledge, which you need when you're at a tough time in your life. I can't say enough about how wonderful the staff and the attorneys are to work with through the process. They give wonderful advice and always answer any questions very quickly. I really recommend this law firm.
    - Laura M.
    “We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly.”
    Last year after my husband lost his job and we found ourselves in a bit of a financial mess. We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly. From the ladies in the office to the lawyers in the back, a special shout out to Daniel Weidecker. He was there for us, went to bat for us when there was a complication and the end result was handled exactly as they said. So if you find yourself needing to get out of debt don't hesitate and call DRLC, they are amazing.
    - Denice M.