When you’re struggling financially, the constant ring of your phone can quickly become a source of anxiety. Creditors and collection agencies often use aggressive tactics to pressure you into paying — but there are limits to what they can legally do. If you live in Montgomery, Alabama, and feel overwhelmed by nonstop calls and threatening messages from debt collectors, you’re not alone. With the right legal guidance, you can stop the harassment and regain control over your financial situation.

At Backus Law Group, Attorney Gary Backus helps individuals in Montgomery and surrounding areas understand their rights under federal and state laws that protect consumers from creditor abuse. You don’t have to live in fear of your phone ringing — you have the power to take action.

Understanding Creditor Harassment

Creditor harassment occurs when debt collectors cross the line of professionalism and legality in their efforts to recover money. Under the Fair Debt Collection Practices Act (FDCPA), it is illegal for creditors or collection agencies to:

• Call you repeatedly with the intent to annoy or harass
• Use obscene, threatening, or abusive language
• Contact you at unreasonable hours (before 8 a.m. or after 9 p.m.)
• Contact your employer or family members about your debt
• Threaten arrest, lawsuits, or wage garnishment without proper legal authority
• Continue contacting you after you’ve formally requested they stop

Despite these clear regulations, many debt collectors still cross the line, assuming consumers won’t fight back. That’s where having an experienced creditor harassment attorney becomes invaluable.

What to Do When Creditors Won’t Stop Calling

If you’re dealing with aggressive collection tactics, there are several important steps you can take immediately:

1. Keep a Record of All Communications
   Document the date, time, and nature of every call or message. Save voicemails, texts, and letters — they can serve as critical evidence later.
2. Request Written Verification of the Debt
   You have the right to ask creditors to verify the debt in writing. If they cannot provide proper documentation, they must stop contacting you.
3. Send a Cease-and-Desist Letter
   Under the FDCPA, once you notify a collector in writing to stop contacting you, they can only reach out to confirm they will no longer contact you or to notify you of specific legal action.
4. Know When to Call a Lawyer
   If harassment continues after you’ve asserted your rights, it’s time to involve a legal professional. Attorney Gary Backus can intervene on your behalf, ensuring that your rights are enforced and pursuing damages against collectors who violate the law.

How Backus Law Group Can Help

At Backus Law Group, we take creditor harassment cases seriously. Gary Backus has extensive experience dealing with aggressive creditors and understands the emotional toll these situations take. He will:

• Review your case to determine if collectors violated the FDCPA or other consumer protection laws
• Communicate directly with creditors to stop illegal contact
• File complaints or legal actions to hold abusive collectors accountable
• Help you explore debt relief or bankruptcy options to regain financial stability

You deserve peace of mind — and the law is on your side. Whether harassment has been ongoing for weeks or months, taking action now can stop the calls and start you on a path toward relief.

Take the First Step Toward Financial Peace

Harassing creditor calls can make you feel powerless, but the truth is, you have rights and legal protections. By standing up to unlawful collection tactics, you not only protect yourself but also send a clear message that you will not be intimidated.

If you’re ready to end the harassment and take back control, contact Backus Law Group today. Attorney Gary Backus proudly serves clients throughout Montgomery, Alabama, providing the guidance and advocacy needed to move toward financial peace.