Creditor Harassment in Rome Georgia
Caring & Professional Bankruptcy Lawyer
Federal and state laws prohibit overreaching or abusive debt collection tactics. The Federal Fair Debt Collection Practices Act (FDCPA) protects consumers in Rome who owe money to credit card companies, merchants, and others for household debts. This act cannot, however, erase the debt or restrict the creditor’s options for seeking payment through legal action. Our dedicated Northwest Georgia bankruptcy lawyers in Rome Georgia use the latest technology and stays current on federal and state legal codes to provide well-informed legal services.
You should also know this: Despite your uphill struggle with debt after losing a job or falling behind on your mortgage, vehicle payments, or credit card or medical debt, you are going to be OK — thanks to the benefits of Chapter 7 and Chapter 13 consumer bankruptcy law. You have the right to stop debt collectors from harassing you at your home or workplace, through the mail, by phone, on your computer or in person. Bournaki & Mitchell, P.C will fight to protect that right while you work to repay what you owe.
If you are being harassed by creditors, Rome's Bournakis and Mitchell, P.C. can help. Contact us at (706) 350-6075 to speak with a Northwest Georgia bankruptcy attorney today.
Defend Against Harassment with the Georgia Industrial Loan Act
The Georgia Industrial Loan Act (Georgia ILA) offers additional protection beyond the FDCPA. It limits the amount of interest, fees, and late charges that creditors can charge to consumers, prohibits creditors from using abusive debt collection practices, and requires a license to make consumer loans of $3,000 or less. This license requirement does not extend to banks, real estate and mortgage companies, trust companies, and the University System of Georgia, and this act only applies to loans of $3,000 or less. If your loan exceeds this amount, your main line of protection is the FDCPA.
If you're living in Rome, GA and creditors are harassing you or using abusive tactics, the Georgia ILA allows you to file a complaint with the Georgia Industrial Loan Commissioner. This commissioner has the power to investigate complaints and can suspend or revoke the lender’s business license, levy fines against the lender, or even find the lender criminally guilty of a misdemeanor and declare the loan null and void depending on the circumstances.
Another option for fighting harassment is to file a civil lawsuit against the creditor, debt collector, or credit agency with the possibility of receiving twice the amount of the interest and loan fees if you win. At Bournakis and Mitchell, P.C., our passionate Northwest Georgia bankruptcy lawyers can examine the facts of your situation and represent you against creditors in court to seek a beneficial outcome.
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We offer a 30-minute confidential consultation to discuss your issues and determine options. Send us an email or call us directly at (706) 350-6075 to get started.
What Sets Bournakis and Mitchell, P.C. Apart?
- ✓ We are a small, boutique law firm focused on individual attention
- ✓ All clients receive direct counsel from our attorneys, not assistants
- ✓ We encourage open and honest communication with our clients
- ✓ We never lose our ability to be graceful – even through tough adversities
- ✓ We offer multilingual service for English, Spanish, and Greek speakers
- ✓ We proudly offer risk-free, no-obligation bankruptcy consultations
CONTACT OUR NORTHWEST GEORGIA BANKRUPTCY LAWYERS AT BOURNAKIS AND MITCHELL, P.C. TODAY! (706) 350-6075