4. Cannot threaten action they do not intend to take. For instance a debt collector threatens suit, when they cannot sue.
5. Creditor takes legal action against you after you have filed for bankruptcy protection and received a discharge. This means they have taken a judgement or filed suit after they were aware of your bankruptcy discharge.
6. Threaten legal action on debts past the statute of limitations. The collector cannot sue on debts past the statute of limitations.
In large measure the collectors cannot do things that seem deceptive or cause you emotional or physical harm. Having creditors call day and night and send letters constantly can be stressful. You may have a cause of action against those creditors under the FDCPA. This may provide you with some relief from the constant stream of phone calls and daily harassment. If you have had any of the foregoing things happen to you give us a call at 952-294-0144.