Our Attorneys Stop Creditor Harassment for Boise and Nampa Debtors

Exercise your rights under state and federal laws

Debt collectors can be relentless in their efforts to collect, often employing questionable tactics designed to pressure, embarrass, scare and coerce you into paying your debt. They have even been known to harass regularly the wrong person who in fact owes nothing.

Since our firm’s establishment in 2001, Gulstrom, Henson & Roark, P.C. has defended debtors from aggressive creditors in Boise and Nampa, Idaho. Our law firm protects you from creditors as we guide you toward successful debt management.

Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to eliminate abusive debt-collection conduct and give you a means of disputing inaccurate debt information. Among the many practices prohibited by the FDCPA, debt collectors are not allowed to do any of the following:

Call you at unreasonable hours Call you repeatedly with the intention to annoy Call you at work after being informed that this is unacceptable Misrepresent themselves as attorneys or law enforcement officers

Threaten legal action not permitted by law Use abusive and profane language Reveal your debt to neighbors, friends and coworkers

Once you retain legal counsel, debt collectors are prohibited from contacting you. Instead, they must contact our law firm to discuss issues related to your debt.

Automatic stay in bankruptcy

As soon as you file your bankruptcy petition, the court issues an automatic stay. This injunction prohibits creditors from taking further action against you to collect on their debts. You gain immediate protection from foreclosure, eviction, property repossession, wage garnishment, utilities interruption or any other actions to recover the debts. In addition, creditors may be held in contempt of court if they call your home or work, communicate with others about your debt or send you notices.

Actions our lawyers take to protect you from abusive debt-collection methods

Our law firm pursues creditors who do not abide by the law. To stop the harassment, we may do any of the following:

Send a cease and desist letter to the collector Sue the collector for damages caused by its illegal tactics

Notify the bankruptcy court of the creditor’s unlawful conduct Defend your rights in a creditor lawsuit

To stop creditor harassment, consult with our Boise lawyers about taking action

To learn more about debtors’ rights, consult with the dedicated attorneys at Gulstrom, Henson & Roark, P.C.

To schedule your free consultation, contact us online or call 208-546-9933.