Creditor Harassment

Medford Creditor Harassment Lawyer

Consumer Protection Representation throughout Klamath Falls, Medford & Jackson County, OR

Credit harassment can occur through many abusive and predatory tactics used by debt collectors against the public. Fortunately, both Oregon state and the federal government have established consumer protection laws designed to safeguard individuals from these tactics. These laws may be enforced by some government agencies but you may also have the right to fight back against offenders of these laws through civil lawsuits filed against them seeking damages.

At Oakes Law Office, PC we have been representing clients in consumer protection cases for decades. Our Medford creditor harassment attorney has recovered approximately $100,000 in damages for consumers we have represented throughout those years. If you have been the target of abusive and/or deceptive behavior by unscrupulous debt collectors, we recommend that you consult with our attorney about your case and what can be done to protect your rights and redress the wrongs you have suffered.

What Are Consumer Protection Laws?

Creditor harassment and abusive behavior, deceptive sales practices, as well as credit reporting inaccuracies fall under the following laws:

  • The Fair Debt Collection Practices Act (FDCPA). This is a federal law and program that outlines what a debt collector can and cannot do when attempting to collect payment. It describes the types of actions that are considered abusive, harassing, and deceptive. It also outlines penalties that may be collected from offenders of this law.
  • The Fair Credit Reporting Act (FCRA). This is another law created by Congress that allows consumers to fight back against inaccuracies and disputes related to your credit report.
  • Oregon Unlawful Debt Collection Practices Act. This law is similar to the FDCPA in that it controls the actions of debt collectors when attempting to make collections from consumers in our state.
  • The Unlawful Trade Practices Act (UTPA) allows consumers to recover damages from businesses that engage in deceptive practices when selling real estate, goods, or services.

Reach out to Oakes Law Office, PC for a consultation about your creditor harassment case. Contact us online or at (541) 204-2037 for an evaluation.

What is Creditor Harassment?

Examples of creditor harassment under the FDCPA include but are not limited to:

  • Calling you before 8 a.m. or after 9 p.m.
  • Contacting you when you have turned the matter over to an attorney.
  • Threatening you with arrest or jail if you fail to pay them.
  • Using profane, intimidating, or abusive language when speaking with you.
  • Trying to get payment for a debt that is not yours or that has been paid off.
  • Telling family, friends, roommates, employers, neighbors, or other third parties about your debt.
  • Failing to provide a notice that verifies the debt and allows you to dispute it.
  • Contacting you where you work after you have told them not to call you there.

Penalties for Creditor Harassment Violations

In any type of creditor harassment violations, you may be able to file a lawsuit against the offender for statutory damages of $1,000 along with a recovery of legal fees and court costs as well as other actual damages such as for lost wages through wage garnishment and/or emotional distress.

Credit Reporting Violations

Violations of the Fair Credit Reporting Act (FCRA) include listing debts that you no longer owe or were never yours in the first place, listing debt amounts that are inaccurate, reporting that late payments were made when they were not, and failing to investigating a disputed debt on your report. Many other types of violations can occur under this law as well.

Regardless of the type of state or federal violations of the above laws you believe you have been subject to, we recommend that you learn more about your individual case by discussing the details with our Medford creditor harassment attorney. Our firm can evaluate your situation to determine your legal options.

Connect with our team online or at (541) 204-2037 to schedule your case evaluation today.

Clients Share Their Experience

  • “You have no idea what this has done for me and my struggles. I cannot thank you enough.”

    - Heidi M.
  • “As a former paralegal, I could see her office is run like a well-oiled machine. Karen and her staff gave me personal attention and I came away with a clear idea of the bankruptcy process.”

    - Janet L.
  • “Karen has a national reputation but is never too busy to help other less-experienced bankruptcy attorneys with questions. She is extremely client-focused.”

    - Thomas M.
  • “Ms. Oakes was extremely helpful during my stressful legal process, explaining each step along the way. Articulate yet sympathetic, she maintained a high level of professionalism throughout the time we worked together.”

    - Dee W.
  • “Completing a family trust during a pandemic seemed a bit daunting, but Karen and her team made it simple. We could not meet in person but via telephone and email, all the necessary paperwork and detailed instructions were sent to me.”

    - Karen P.
/
  • American Bankruptcy Institute
  • American Bar Association
  • NACBA
  • Student Loan Law Workshop
  • National Association of Consumer Advocates
  • 1st Lieutenant Bankruptcy Boot Camp
  • Hyatt Legal Plans
  • 2021 Enterprise

Trusted Legal Guidance

Genuine Dedication & Care
  • 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.