Greenwood Creditor Harassment Lawyer

Don’t Face Debt Collectors Alone

Third-party debt collection is a huge industry, and collectors often operate on little-to-no documentation. Debts are bought and sold in massive portfolios, often consisting of little more than names, Social Security numbers, and balances. When you receive a collection letter or notice of a lawsuit, your first inclination may be to give up. Don’t do this!

Remember—it is the debt collector’s burden to establish the following:

  • You owe the debt;
  • The balance and charges are correct; and
  • It is collectable.

It’s quite possible that the debt is inaccurate or cannot be verified as yours. Alternatively, it may not be collectable if it’s beyond the statute of limitations or was discharged in bankruptcy.

Unfortunately, it is also common to encounter a debt collector who engages in abusive and misleading debt collection tactics. If you’ve experienced these tactics, it may be possible to turn the tables and seek damages from the debt collector under the Fair Debt Collection Practices Act and Indiana’s Deceptive Consumer Sales Act. Compensation can be significant, potentially covering statutory penalties, attorney fees, and court costs.

Together, we can resolve your debt collection issues. Call (317) 830-5993 to get in touch with our Greenwood lawyer at the Law Office of Matthew M. Cree, LLC.

How Can an Attorney Help Me?

An attorney can step between you and the creditors and put a stop to the constant calls and collection letters. They can insist that the debt be verified according to law and help you develop a plan to tackle it. If you've been the victim of harassment or intimidation in the course of collecting a debt, an attorney can help you recover damages under federal and state law.

How a Greenwood Collections Defense Attorney Can Help

Our job is to stand between you and your creditors and put a stop to the constant calls and collection letters. We can demand verification of the debt and help you develop a plan to tackle it. If you've been the victim of harassment or intimidation, we can help you recover damages under federal and state law. The following is an overview of what we do here at the Law Office of Matthew M. Cree, LLC.

Holding Creditors Accountable

If you dispute ownership of the debt, the amount owed, or the collectability of the debt, the creditor must stop all collection activities until it provides written verification of the debt. Failure to do so may trigger your right to bring a claim under the Fair Debt Collection Practices Act for damages.

Ending Harassment and Intimidation

Some debt collectors employ hardball tactics like calling at all hours of the day or intimidating borrowers into paying their debt. You don't have to stand for this. The Fair Debt Collection Practices Act, Indiana's Uniform Consumer Credit Code, and the Deceptive Consumer Sales Act give you the tools to fight back and end creditor harassment. In many cases, the hunter finds itself becoming the hunted.

Asserting Your Defenses

There are many defenses which may partially or completely defeat a debt collector's claim.

These include the following:

  • The debt is outside of the statute of limitations (time barred)
  • The debt was discharged in bankruptcy
  • Prior payments satisfied the debt

Because every situation is different, we review every client’s case with care before determining the best possible defense and course of action.

Verifying and Disputing Your Credit Report

According to the Federal Trade Commission, countless consumer credit reports contain errors, and many aren’t fully resolved—even after disputes. The Fair Credit Reporting Act is designed to protect consumers from these mistakes by requiring debt collectors and other reporting agencies to provide complete and accurate info. A creditor's failure to correct information after notice could give rise to a claim for statutory damages, punitive damages, and even attorneys' fees.

Let us stand between you and your debt collectors. Contact us online or call (317) 830-5993 for defensive services backed by 10+ years of experience.

See Your Options

Together We Can Resolve Your Debt Collection Issues

The Stories That Make a Difference 

Hear it From Our Clients 
  • I had a great experience with Matthew! He made the whole process simple.

    “I had a great experience with Matthew! He made the whole process simple and made sure to stay in touch every step of the process. I definitely recommend him to anyone who may be seeking bankruptcy ...”

    - Justin M.
  • Matt was professional, he handled everything.

    “Matt was professional, he handled everything. He gave me all the instructions I needed to do to get things rolling. Everything went quick and easy.”

    - Deanna B.
  • Attorney Cree made sure he explained everything making sure I understood.

    “Being so young and unknowing of all of my options, Attorney Cree made sure he explained everything making sure I understood. Communication was great not pushy at all. Makes you feel at ease. I’m ...”

    - Lisa L.
  • Mr. Matthew Cree is an AMAZING Attorney! He always answers your questions very promptly.

    “Mr. Matthew Cree is an AMAZING Attorney! He Always answers your questions very promptly. Whether they are by text, E-mail or by direct phone call. He makes everything from start to finish very ...”

    - Kellie C.
  • Every time we had a question or concern he would get back to us that day.

    “He is very professional and prompt! Every time we had a question or concern he would get back to us that day. I recommend anyone to reach out to Matt for any legal advice for bankruptcy! By far the ...”

    - Tyler H.
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