Are you sick and tired of being harassed by debt collectors? Do you have some debt that you owe but are fed up with collection agencies calling you in the middle of the night and in the morning, during your time at work, and infringing upon your personal and private life and space? If so, then a debt collection harassment attorney can help.
At Rights Protection Law Group, PLLC, we are ready and willing to take care of all your needs and concerns, bringing an end to the frustrating and tiring debt collection harassment you receive on a daily basis.
Here in this article, we are going to take a look at everything you need to know about debt collection harassment. We will discuss the ins and outs of the matter, helping to educate you to keep you and your loved ones protected from unlawful debt collection harassment.
Let’s get started!
What is debt collection harassment?
Debt collection harassment is defined as harassment coming from a debt collector toward an individual that manifests itself in various uncomfortable and irritating manners such as repeated and unending phone calls with the intent to annoy and abuse the recipient. This harassment is also found in, but not limited to, threats of violence and the use of obscene language toward the individual.
Debt collection harassment is simply not legal; it’s not allowed in any way, shape, or form. Any and all types of harassment from debt collectors should be considered serious.
What Debt Collectors Can’t Do
The Fair Debt Collection Practices Act, or “FDCPA”, which was passed in 1977, states that debt collectors absolutely cannot harass, oppress, or abuse you, the public, or anyone with which they do business.
This act covers a variety of harassment examples that debt collectors and debt collection agencies are not allowed to partake in.
For example, debt collectors cannot initiate repetitive phone calls and unwanted invasive contact that is intended to abuse, annoy, and harass you or any person in your household who might be answering the phone or receiving the contact.
Additionally, debt collectors are not allowed to use profanity and obscene language against you. They cannot use threats of violence or potential physical harm in any manner toward you. They also cannot publish a list of individuals who refuse to pay their debts. However, this last point does not include the reporting of such payment information to credit reporting companies as this information is needed to provide an accurate credit score of one’s account.
Debt collectors are also not allowed to call you without informing you of who they are; they must make it known who they are to you so you can be aware of their identity, representation, and purpose for calling.
Debt Collectors Must Be Fair
In addition to the long list of things that debt collectors are not allowed to do to you or to any party, they must also not misrepresent themselves and/or their work.
The FDCPA further declares that debt collectors are not allowed to use practices that are misleading, deceptive, or false in any manner; therefore, debt collectors must always be truthful, fair, and respectful to you at all times.
Debt collectors are not allowed to misrepresent the truth when it comes to the amount of debt that is properly and fairly owed.
Debt collectors are also not allowed to make you believe they are an attorney if they, in fact, are not. Third party debt collection agencies are not allowed to make false threats to you about a potential arrest for not paying your debt, and they cannot make threats to you regarding matters that they themselves cannot legally take. For example, in many states, third party debt collectors that are not debt collection law firms are not allowed to sue on behalf of the creditor, so if they state to you over the phone or in written correspondence that they are allowed to do so, and can sue you, or that they plan to sue you, that would be a violation of the FDCPA.
There is a long and extensive list of other things that debt collectors are not allowed to do when attempting to collect debts from consumers.
You are strongly protected via federal law, and state law (depending on your state) from debt collectors and debt collection harassment. The law is on your side.
What Should I Do if I Am Being Harassed?
If you feel like you are improperly treated by your debt collector or debt collection agency and if you feel like you are being harassed in such a manner, there are steps you should begin taking to keep yourself safe and protected and to begin the reporting process.
You will want to begin by keeping record of and storing of any and all letters and documents that you have received from the third party debt collector along with copies of any and all materials that you have sent to the collector as well.
You will want to keep track of your conversations with your debt collector, writing down the dates and times of your phone calls (and the dates, times, and frequencies of their contact toward you) along with all major notes from your discussion and conversation with them.
When it comes to taking this matter to court, all of this would be vital to you in helping to build and strengthen your case, making it as powerful as possible to help you win against the debt collection agency.
Consult with an Attorney to File a Debt Collection Harassment Claim Today
Here at Rights Protection Law Group, PLLC, we are ready to help you fight debt collection harassment. With our dedicated and professional team of highly-experienced lawyers and attorneys, we are preparing to fight for you to keep you and your rights protected. We are dedicated to preventing continued harassment by stopping the harassment you have already unfortunately experienced.
If you are a victim of debt collection harassment, you are entitled to monetary damages and we will help you get what you deserve.
Located in Boston, MA, we help protect the rights of not only Massachusetts residents, but consumers in many different states around the country. Our years of experience in protecting consumers’ rights will help us protect yours and succeed in doing so.
If you are ready to put an end to the debt collection harassment that you have been troubled with, contact us today, and we will get started on putting a stop to it. Call today to schedule a free consultation or call us at (844) 574-4487.