I’m behind and the creditors are calling, do I have any rights?
If the creditors are calling you, and the debts they are calling about are debts unrelated to a business, you have significant rights.
Different laws protect you depending on who is calling. If the original creditor is calling you, you have some protection under the Texas Debt Collection Act. An original creditor would be someone like Bank of America contacting you regarding a credit card.
There are many protections under the Act. For example, you are not allowed to be harassed or called countless times. You cannot be threatened with things that are unlawful, such as being arrested because you owe money. You cannot be charged fees that were not part of the original contract.
If a third-party is contacting you, as opposed to the original creditor, not only are you protected by the Texas Debt Collection Act, you are also protected by the federal Fair Debt Collection Practices Act.
If you're looking for relief from debt or help dealing with creditors, we are here to protect your rights. We offer a free confidential, no-obligation consultation to discuss your personal situation. Please call (713) 961-9477 for immediate assistance or feel free to use our form below.