Abusive Debt Collection


Do you feel like you are being harassed by debt collectors who are forcing you to file bankruptcy? Is your voicemail full from collection agencies that have been calling you day and night? At the Liviakis Law Firm, we offer legal assistance to anyone who is a victim of abusive debt collection.

Protection against Debt Collectors

The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides consumers with a means to protect themselves from abusive debt collection practices. There are several debts that are covered under this law, including medical bills, student loans, credit cards, utility bills, and more. When a collecting agency violates the terms of the FDCPA, they can be subject to a number of penalties.

If you are being illegally harassed, you could receive compensation. Many people do not realize their specific rights under this law. An attorney can help you to get the justice and the money that you deserve.

Illegal Debt Collector Practices

Because of the FDCPA, there are many things that a debt collector is not allowed to do:
  • Debt collectors are not allowed to call before the hours of 8 am or after 9 pm.
  • It is illegal to say that they are law enforcement, or to say that they are a lawyer, if they are not.
  • They are not allowed to call repeatedly during a small time period, or to let the phone ring for a long time.
  • Debt collectors cannot call you at work if you have requested that they do not.
  • They are not allowed to threaten to arrest you or threaten you with physical harm of any kind.
  • It is against the law to threaten to garnish your wages or place a lien on your property unless they are actually within legal means to do so.
  • They may not use abusive language or swear words while communicating.
  • Debt collectors are not able to report false information on a consumer’s credit report, or threaten to do so.
  • They are not allowed to further communicate with a consumer after receiving a written notice that the consumer does not wish any further communication, or refuses to pay the alleged debt.

Getting Help When You Need It

It can be a frustrating experience to deal with debt collectors. If you feel like you are a victim of abusive debt collection practices, there is a way out. Contact the attorney at the Liviakis Law Firm for a free consultation.

Free Consultation

Start Your New Financial Direction.

    Client Testimonial

    Wonderful Bankruptcy Attorney!

    I retained Mr. Liviakis after a very bad experience with another lawyer who basically abandoned my case. Mr. Liviakis was thorough in his analysis of the law and the facts of the case and very prompt in responding to all of my questions. His professional handling of the case gave me confidence that the matter would be done right.

    Professional and Talented Attorney

    Very professional and talented bankruptcy attorney. He helped me though a very difficult situation. I recommend Liviakis to others in the community of Sacramento. Liviakis took time to answer all of the bankruptcy questions that I had. My case turned out very well. It was an easy experience and no stress at all.

    They Truly Cared

    After interviewing several lawyers, I decided to use Miki. Miki and his staff were knowledgeable and helpful throughout the process. They kept me informed every step of the way and made me feel like they “cared”. I have worked with a number of attorneys over the past 25 years and Miki is someone whom you can trust.

    Definitely Recommend

    I would definitely recommend Atty. Liviakis to anyone that I know that needs help to sort out their financial problem. Very easy to talk to and always prompt when I have questions. Chapter 11 Client

    Mikalah was the most informed and knowledgeable proffesional i have ever had the privilege to work with.not only did he handle our case succesfully,he treated us with dignity and respect in a very tough time. I highly recomend this attorney he is a man with integrity,a true professional.

    Chapter 7 Client

    Liviakis Law Firm was professional and empathetic to my situation. I felt that I could discuss my situation without judgment or feeling shame. I appreciated the quick communication and professional demeanor of all staff.