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Debtors Have Rights Too

Consumer protection & debt harassment laws in WV

- West Virginia Consumer Credit Protection Act
- Fair Debt Collection Practices Act
- Telephone Consumer Protection Act
- Lemon law claims
- Harassing phone calls
- Defending suits from creditors
- Breach of implied / express warranties
- Unfair Deceptive Acts or Practices (UDAP)

It’s frustrating enough knowing that you’re in debt. Whether you’re behind on credit card bills or on loans payments, the reminders in your head are never ending. Things become much more infuriating when debt collectors are harassing you every moment of every day. It all starts with constant calls and intimidating letters, but it can begin to branch into tactics that are much worse than that.

Though you may owe a debt, you still have rights as a debtor. Through the Fair Debt Collection Practices Act, The Federal Trade Commission has laid out what debt collectors can and cannot do, and what your rights are as a debtor.

The West Virginia Consumer Credit and Protection Act also defines unfair trade practices and various types of communications and practices that collectors are prohibited from using, such as:
• Harsh language
• Anonymous, malicious phone calls
• Repeated, unusually-timed calls

If you are dealing with a debt collector using these practices, call the Wolfe, White & Associates today at (304) 752-7715.

It might not be your fault

Sometimes, a creditor could have purposely failed to disclose certain elements of your relationship with them. By withholding certain information, like interest rates or other fees, you could be paying more than you ever thought you would. These unfair predatory lending practices can be looked into with help from an attorney. Contact the Wolfe, White & Associates, today.