Protection from creditor harassment

Constant phone calls, threatening letters, and aggressive collection tactics can make life feel overwhelming. If creditors are crossing the line from collecting debt to outright harassment, you have rights—and you don’t have to put up with it. The law is on your side, no matter how much you owe, and we’re here to help you use it.

Your Rights Under Fair Debt Collection Laws

The Fair Debt Collection Practices Act gives you real protection against abusive collection tactics. At Adon & Associates, we help Bronx residents understand and defend these rights every day. Debt collectors have to follow strict rules about when and how they can contact you, and we make sure they do.

Signs of Illegal Collection Practices

• Calls before 8am or after 9pm
• Contacting you at work after being told not to
• Making threats of arrest or legal action
• Using abusive language
• Discussing your debt with others

We see these tactics all the time in neighborhoods like Morris Park and Fordham. Knowing your rights is the first step to putting a stop to the harassment and getting your peace of mind back.

How to Document Creditor Harassment

Important Details to Record

• Date and time of each contact
• Name of collector and company
• What was said during the interaction
• Any witnesses present
• Copies of letters or voicemails

Keeping good records makes your case stronger. Our legal team at Adon & Associates uses this documentation to show patterns of harassment and build a solid defense for your rights.

Taking Action Against Harassment

You have the power to tell collectors in writing to stop contacting you. Once they get your letter, they can only reach out to let you know about specific actions, like filing a lawsuit. If they keep calling, they’re breaking the law—and they may owe you money damages.

Legal Solutions to Stop Harassment

Sometimes, a strong letter from your lawyer is all it takes to end the harassment. In other cases, filing for bankruptcy puts an immediate stop to all collection attempts through the automatic stay. We help you choose the best approach for your situation and make sure you’re protected every step of the way.

Your Rights During Debt Collection

Collectors have to tell you the amount you owe, the name of the original creditor, and your right to dispute the debt. They can’t tack on illegal fees or interest. When you know your rights, you can spot violations and stand up to unfair practices. Many of our clients also benefit from our debt settlement services and financial education programs to help prevent future problems.

Get Help Stopping Creditor Harassment in the Bronx

Contact Adon & Associates at 718-275-1243 or schedule your free consultation and let us help you put an end to creditor harassment today.