Birmingham, Alabama, Consumer Protection Attorney
As a consumer, you have rights. You have the right to be free from illegal creditor harassment. You have the right to debt relief if you qualify under the Bankruptcy Code. You have the right to know your options. At the Martin Law Firm, LLC, we are committed to protecting consumers against harassment and helping our clients achieve debt relief. We offer strategic, informed advocacy, providing our clients with the information they need and the representation that gets results.
Know your rights. You can work toward achieving debt relief and put an end to creditor harassment.
Consumer Protections to Stop Creditor Harassment
In addition to Chapter 7 and Chapter 13 bankruptcy, the government has enacted legislation to protect consumers against unfair lending practices and creditor harassment. Consumer protection laws include:
- Fair Debt Collection Practices Act (FDCPA): This law regulates what debt collectors are allowed to do when trying to collect on a debt. It prohibits harassing phone calls, mail and threats.
- Truth in Lending Act (TILA): This statute requires significant disclosures by creditors to the borrower before the latter agrees to any sort of credit arrangement.
- Home Ownership and Equity Protection Act (HOEPA): This is an amendment of TILA that imposes very strict reporting requirements on certain mortgage lenders (primarily second mortgages and refinances) and extra disclosures that borrowers have to sign for adjustable rate mortgages (ARMs), etc.
Financial Recovery for the Victims of Illegally Acting Creditors
Consumer protection can be a complex area of law, best navigated by an experienced attorney. Our firm is committed to protecting our clients against harassment, predatory lending, and in taking the necessary steps against illegally acting creditors. If you are considering Chapter 7 or Chapter 13 bankruptcy, you may also have a potential consumer protection claim against a creditor who has acted illegally. This claim may entitle you to financial recovery or allow you to avoid filing all together. For more information about consumer protection and your rights, please contact us directly.
Contact Martin Law Firm, LLC for a free consultation with an experienced bankruptcy and debt relief lawyer.
Evening and weekend appointments available • Conveniently located in the Frank Nelson Building, Downtown Birmingham, Alabama
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
