{"id":4467,"date":"2018-08-22T22:35:00","date_gmt":"2018-08-22T22:35:00","guid":{"rendered":"https:\/\/mcintirelaw.com\/?page_id=4467"},"modified":"2023-05-05T01:08:45","modified_gmt":"2023-05-05T01:08:45","slug":"west-virginia-creditor-harassment","status":"publish","type":"page","link":"https:\/\/mcintirelaw.com\/west-virginia-creditor-harassment\/","title":{"rendered":"Wheeling Creditor Harassment Attorney"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_2_3 2_3 fusion-two-third fusion-column-first\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;width:65.3333%; margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><h2 style=\"text-align: left; --fontSize:34; line-height: 1.21;\" align=\"center\" data-fontsize=\"34\" data-lineheight=\"41.14px\" class=\"fusion-responsive-typography-calculated\">Are You the Victim of Creditor Harassment?<\/h2>\n<h3 style=\"text-align: left; --fontSize:22; line-height: 1.67; --minFontSize:22;\" align=\"center\" data-fontsize=\"22\" data-lineheight=\"36.74px\" class=\"fusion-responsive-typography-calculated\">PUT A STOP TO CREDITOR ABUSE TODAY! CALL OUR WHEELING LAW OFFICES AT <a href=\"tel:3043134094\">304-313-4094<\/a> NOW.<\/h3>\n<p>At <strong>Thomas E. McIntire &amp; Associates, L.C.<\/strong>, we completely understand how overwhelming any type of financial setback or hardship can be. Constant harassment, abuse, or collection attempts made by creditors and collection agencies could add even more stress and anxiety to the situation. Our <strong>Wheeling creditor harassment attorney<\/strong> is ready to take action on your behalf.<\/p>\n<p>Do not think that you have to face this situation on your own. It is against the law for creditors or collectors to harass you in their attempts to collect money! No case is too complex or difficultfor our experienced and knowledgeable team. We are ready to help put a stop to creditor harassment immediately; call us now.<\/p>\n<div class=\"fancyfont\">\n<h4 align=\"center\" data-fontsize=\"22\" data-lineheight=\"31.46px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:22; line-height: 1.43; --minFontSize:22;\"><strong>If you are ready to move forward in your case, call <a href=\"tel:3043134094\">304-313-4094<\/a><\/strong> <strong>to request a FREE CASE CONSULTATION with our compassionate and skillful legal team.<\/strong><\/h4>\n<p align=\"center\">\n<\/div>\n<h3 style=\"text-align: left; --fontSize:22; line-height: 1.67; --minFontSize:22;\" align=\"center\" data-fontsize=\"22\" data-lineheight=\"36.74px\" class=\"fusion-responsive-typography-calculated\">WE KNOW YOUR RIGHTS. LET US PROTECT THEM.<\/h3>\n<p>When facing overwhelming debt, creditors may take advantage of your vulnerable position and use harassing techniques to obtain the money they are owed. Creditors may take things too far by threatening you with certain actions or engaging in unlawful behavior to compel you to pay your debts.<\/p>\n<p>If you have experienced any of the following, your first action should be to discuss your case with our <a href=\"\/\">Wheeling bankruptcy attorney<\/a> from our firm. We know the laws and can protect your rights based on the requirements established in state and federal consumer protection laws.<\/p>\n<p><strong>Various actions can constitute creditor harassment, including:<\/strong><\/p>\n<ul>\n<li>Rudeness<\/li>\n<li>Communication during odd hours<\/li>\n<li>Manipulation<\/li>\n<li>Deceitful methods<\/li>\n<\/ul>\n<p><strong>Debt collectors also are not permitted to:<\/strong><\/p>\n<ul>\n<li>Contact a consumer once they know that he or she is represented by an attorney<\/li>\n<li>Contact a consumer on the consumer&#8217;s cell phone if they have been advised not to do so<\/li>\n<\/ul>\n<h2 align=\"center\" data-fontsize=\"34\" data-lineheight=\"41.14px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:34; line-height: 1.21;\"><\/h2>\n<h3 style=\"text-align: left; --fontSize:22; line-height: 1.67; --minFontSize:22;\" align=\"center\" data-fontsize=\"22\" data-lineheight=\"36.74px\" class=\"fusion-responsive-typography-calculated\">UNDERSTANDING YOUR RIGHTS UNDER CONSUMER PROTECTION LAWS<\/h3>\n<p>Are you aware of your options as you face creditor harassment? Under various consumer protection laws, collection agencies are given standards regarding what they can and cannot do to collect debts. <strong>Some of the restrictions include that creditors:<\/strong><\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>May only contact you between 8:00 a.m. and 9:00 p.m.<\/li>\n<li>May not say they are an attorney if they are not<\/li>\n<li>Are forbidden from publishing your name in a &#8220;bad debt&#8221; list<\/li>\n<li>Cannot continue to call you after you tell them in writing to stop<\/li>\n<li>May not incessantly call you<\/li>\n<li>Must stop communicating with you directly if you are represented by an attorney<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<div><\/div>\n<p>We encourage you to schedule a free case evaluation to learn more about debt relief and creditor harassment. Bankruptcy can be used to resolve your debt matter and make the creditor harassment cease. When you <a class=\"linkilo_keyword_link  hyperlinks\" href=\"\/emergency-bankruptcy-west-virginia\/\"  rel=\"dofollow\" title=\"file for bankruptcy\" data-linkilo-keyword-link=\"linked\">file for bankruptcy<\/a>, creditor actions will be required by the court to stop<strong>. <\/strong>Consult us to learn more about how filing for bankruptcy can cease creditor harassment for good.<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-one-third fusion-column-last\" style=\"--awb-bg-size:cover;width:30.6666%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-widget-area awb-widget-area-element fusion-widget-area-1 fusion-content-widget-area\" style=\"--awb-title-size:14px;--awb-title-color:#3b4251;--awb-padding:0px 0px 0px 0px;\"><div id=\"text-8\" class=\"widget widget_text\" style=\"border-style: solid;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><p><img decoding=\"async\" class=\"aligncenter wp-image-5247 size-medium\" src=\"https:\/\/i0.wp.com\/mcintirelaw.com\/wp-content\/uploads\/2018\/09\/logo-transparent-black.png?resize=300%2C90&#038;ssl=1\" alt=\"WV Bankruptcy Attorney\" width=\"300\" height=\"90\" data-recalc-dims=\"1\" \/><\/p>\n<\/div>\n\t\t<\/div><style type=\"text\/css\" data-id=\"text-9\">@media (max-width: 850px){#text-9{text-align:center !important;}}<\/style><div id=\"text-9\" class=\"fusion-widget-mobile-align-center fusion-widget-align-center widget widget_text\" style=\"border-style: solid;text-align: center;border-color:transparent;border-width:0px;\">\t\t\t<div class=\"textwidget\"><p style=\"font-size: 36px;\"><a href=\"tel:3042328600\">304-232-8600<\/a><\/p>\n<p style=\"font-size: 24px;\">Call Us Today or Use the Form Below to Request a Free Debt Evaluation<\/p>\n<\/div>\n\t\t<\/div><div id=\"block-4\" class=\"widget widget_block\"><div class='fluentform ff-default fluentform_wrapper_12  ff_guten_block ffs_custom_wrap'><form data-form_id=\"12\" id=\"fluentform_12\" class=\"frm-fluent-form fluent_form_12 ff-el-form-top ff_form_instance_12_1 ff-form-loading ffs_custom\" data-form_instance=\"ff_form_instance_12_1\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Sidebar<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='4467' \/><input type=\"hidden\" id=\"_fluentform_12_fluentformnonce\" name=\"_fluentform_12_fluentformnonce\" value=\"6f30047dcd\" \/><input type=\"hidden\" name=\"_wp_http_referer\" 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asterisk-right\"><label for='ff_12_email' aria-label=\"Email\">Email<\/label><\/div><div class='ff-el-input--content'><input type=\"email\" name=\"email\" id=\"ff_12_email\" class=\"ff-el-form-control\" placeholder=\"Email\" data-name=\"email\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group ff-el-form-hide_label'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_12_phone' aria-label=\"Phone\/Mobile\">Phone\/Mobile<\/label><\/div><div class='ff-el-input--content'><input name=\"phone\" class=\"ff-el-form-control ff-el-phone ff_el_with_extended_validation\" type=\"tel\" placeholder=\"Phone\" data-name=\"phone\" id=\"ff_12_phone\" inputmode=\"tel\"  aria-invalid='false' aria-required=true><\/div><\/div><div class='ff-el-group ff-el-form-hide_label'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_12_debt_amount' aria-label=\"How much is your debt (USD)?\">How much is your debt 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class=\"ff-btn ff-btn-submit ff-btn-md ff_btn_style\" >Submit<\/button><\/div><\/fieldset><\/form><div id='fluentform_12_errors' class='ff-errors-in-stack ff_form_instance_12_1 ff-form-loading_errors ff_form_instance_12_1_errors'><\/div><\/div>        <script type=\"text\/javascript\">\n            window.fluent_form_ff_form_instance_12_1 = {\"id\":\"12\",\"settings\":{\"layout\":{\"labelPlacement\":\"top\",\"helpMessagePlacement\":\"with_label\",\"errorMessagePlacement\":\"inline\",\"cssClassName\":\"\",\"asteriskPlacement\":\"asterisk-right\"},\"restrictions\":{\"denyEmptySubmission\":{\"enabled\":false}}},\"form_instance\":\"ff_form_instance_12_1\",\"form_id_selector\":\"fluentform_12\",\"rules\":{\"fname\":{\"required\":{\"value\":true,\"message\":\"This field is required\"}},\"lname\":{\"required\":{\"value\":true,\"message\":\"This field is required\"}},\"email\":{\"required\":{\"value\":true,\"message\":\"This field is required\"},\"email\":{\"value\":true,\"message\":\"This field must contain a valid email\"}},\"phone\":{\"required\":{\"value\":true,\"message\":\"This field is required\"},\"valid_phone_number\":{\"value\":true,\"message\":\"Phone number is not valid\"}},\"debt_amount\":{\"required\":{\"value\":true,\"message\":\"This field is required\"},\"numeric\":{\"value\":true,\"message\":\"This field must contain numeric value\"},\"min\":{\"value\":\"\",\"message\":\"Minimum value is \"},\"max\":{\"value\":\"\",\"message\":\"Maximum value is \"}},\"case_type\":{\"required\":{\"value\":true,\"message\":\"This field is required\"}},\"schedule_consultation\":{\"required\":{\"value\":false,\"message\":\"This field is required\"}}}};\n                    <\/script>\n        <\/div><div id=\"custom_html-2\" class=\"widget_text widget widget_custom_html\" style=\"border-style: solid;border-color:transparent;border-width:0px;\"><div class=\"textwidget custom-html-widget\"><div class=\"pi_form\" style=\"display:none\">\r\n\t<div class='fluentform ff-default fluentform_wrapper_20 ffs_custom_wrap'><form data-form_id=\"20\" id=\"fluentform_20\" class=\"frm-fluent-form fluent_form_20 ff-el-form-top ff_form_instance_20_2 ff-form-loading ffs_custom\" data-form_instance=\"ff_form_instance_20_2\" method=\"POST\" ><fieldset  style=\"border: none!important;margin: 0!important;padding: 0!important;background-color: transparent!important;box-shadow: none!important;outline: none!important; min-inline-size: 100%;\">\n                    <legend class=\"ff_screen_reader_title\" style=\"display: block; margin: 0!important;padding: 0!important;height: 0!important;text-indent: -999999px;width: 0!important;overflow:hidden;\">Personal Injury - Sidebar<\/legend><input type='hidden' name='__fluent_form_embded_post_id' value='' \/><input type=\"hidden\" id=\"_fluentform_20_fluentformnonce\" name=\"_fluentform_20_fluentformnonce\" value=\"6f30047dcd\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/wp-json\/wp\/v2\/pages\/4467\" \/><div class='ff-el-group  ff-custom_html' data-name=\"custom_html-20_1\" ><p style=\"font-size: 24px;text-align: center\">Injured in an accident?<br> We can help!<\/p><\/div><div class='ff-el-group ff-el-form-hide_label'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_20_2_fname' aria-label=\"First Name\">First Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"fname\" class=\"ff-el-form-control\" placeholder=\"First Name\" maxlength=\"30\" data-name=\"fname\" id=\"ff_20_2_fname\"  aria-invalid=\"false\" aria-required=true><\/div><\/div><div class='ff-el-group ff-el-form-hide_label'><div class=\"ff-el-input--label ff-el-is-required asterisk-right\"><label for='ff_20_2_lname' aria-label=\"Last Name\">Last Name<\/label><\/div><div class='ff-el-input--content'><input type=\"text\" name=\"lname\" class=\"ff-el-form-control\" placeholder=\"Last Name\" maxlength=\"30\" data-name=\"lname\" id=\"ff_20_2_lname\"  aria-invalid=\"false\" 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asterisk-right\"><label  aria-label=\"I\u2019ve been injured\u2026\">I\u2019ve been injured\u2026<\/label><\/div><div class='ff-el-input--content'><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=case_type_7f2544fb7f2bad6a4d75c6d78391b94e><input  type=\"radio\" name=\"case_type\" data-name=\"case_type\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"In a motorcycle accident\"  id='case_type_7f2544fb7f2bad6a4d75c6d78391b94e' aria-label='In a motorcycle accident' aria-invalid='false' aria-required=true> <span>In a motorcycle accident<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=case_type_18d8e860404e6c3f3a5e017d0295be0b><input  type=\"radio\" name=\"case_type\" data-name=\"case_type\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"In a car accident\"  id='case_type_18d8e860404e6c3f3a5e017d0295be0b' aria-label='In a car accident' aria-invalid='false' aria-required=true> <span>In a car accident<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=case_type_efaaaee0b837d15bae0a884813632c0b><input  type=\"radio\" name=\"case_type\" data-name=\"case_type\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"In a truck accident\"  id='case_type_efaaaee0b837d15bae0a884813632c0b' aria-label='In a truck accident' aria-invalid='false' aria-required=true> <span>In a truck accident<\/span><\/label><\/div><div class='ff-el-form-check ff-el-form-check-'><label class='ff-el-form-check-label' for=case_type_fbc276e117d7d6044024167bdb9bf2b7><input  type=\"radio\" name=\"case_type\" data-name=\"case_type\" class=\"ff-el-form-check-input ff-el-form-check-radio\" value=\"By an animal\"  id='case_type_fbc276e117d7d6044024167bdb9bf2b7' aria-label='By an animal' aria-invalid='false' aria-required=true> <span>By an animal<\/span><\/label><\/div><div 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