Know Your Rights

Creditors cannot be calling at odd hours or calling work, after they have been advised not to do so. Harassing phone calls, especially those containing threats of violence do not have to be accepted by anyone.


Fair Debt Collection Practices Act (FDCPA) provides protections to consumers who are dealing with a debt collector. The FDCPA is a very powerful statute that gives you the ammunition to fight back against these unsavory collectors.


If you are being threatened by a debt collector or if you think they might have violated your consumer rights, contact us right away at (619) 894-8831 or File a Claim Now!

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"Ahren Tiller and the BLC Law Center were excellent. From the moment we walked in the door they were great with us. They do not push bankruptcy on you...they try to help and if there are other options before bankruptcy, they let you know."

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Brian J. McGoldrick Esq.

Ahren A. Tiller Esq.

You Don’t Have to Put Up With Creditor Harassment!

Just about everyone who gets a little behind on their bills will get a friendly reminder call from a creditor. But once in awhile, those calls turn out to be not so friendly. While there are certain laws to protect the consumer from harassing calls at home and at work, not every debt collector plays by the rules.

They are willing to try to browbeat, threaten and take whatever steps they deem necessary to collect money and some actually believe they are doing the right thing with their collection efforts. Many consumers will cave to their demands simply to stop the calls. However, if one creditor is calling there’s a good chance that others are also making the calls and getting one to stop will not stop the others.

Call the BLC Law Center

If a violation of your rights has occurred, an attorney can either use that violation as leverage when negotiating your debt or alternatively, help you pursue legal recourse for the violation. It is important to keep in mind that an FDCPA violation by your collector does not eliminate your debt, but it may help in your negotiations.

If you would like to learn more about your rights or feel that your rights may have been violated, speak with one of the FDCPA lawyers at BLC Law Center. Give us a call today at 619-894-8831 or contact us now for a free consultation.

What is the FDCPA?

There is a federal law that protects consumers from both harassment and abuse by collection agencies. It is called the Fair Debt Collection Practices Act or FDCPA. This law is applied when it comes to third-party collectors, which are people who have been employed by the original creditor in order to collect on a debt.

These are most commonly the collection agencies, who try to collect the money or debt that is owed to the original party. However, this law doesn’t apply to the original credit institution since they aren’t legally required to follow this law.

One of the best ways to protect yourself from abusive or harassing collection practices is to understand the Fair Debt Collection Practices Act and communicating to a collector that you understand this law and your rights.

To fully understand the FDCPA, here are a few examples of violations:

  • Attempting to contact a debtor despite the fact that he/she is represented by an attorney.
  • Threatening to press criminal charges or threats of prosecution or jail time.
  • Calling prior to 8:00 a.m. or after 9:00 p.m. local time.
  • Using abusive language which is obscene or foul.
  • Failing to indentify on all communications that the party is a debt collector.
  • Discussing or attempting to discuss the debt with an employer or co-worker of the debtor.
  • Misrepresentation by claiming to be from the court, police department or government.
  • Falsely threatening to file a lawsuit against the debtor.

There are many more examples and situations that the knowledgeable staff of BLC Law Center can explain in more detail to help you fully understand your rights.

How Does it Work?

  • Call Us.

    A simple phone call gets the process started. Don’t worry about the details. We are consumer bankruptcy experts and we’ll take care of everything for you.

  • Tell Us About the Situation

    You’ll speak with one of our expert lawyers and we’ll carefully analyze your legal options and explain them to you. Let our experts help you with FDCPA Laws.

  • Stop the Harassment

    If you were mistreated and able to provide that a debt collector violated the Fair Debt Collection Practices Act, you maybe entitled to receive up to $1,000 in statutory damages, reimbursement for actual damages as well as lawyer’s costs and fees.


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