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Stopping Debt Collection Harassment


Debt can be a very intrusive problem in your life, as well as debt collectors. Debtors often find themselves being constantly hassled and bullied by their collectors and are unsure how to stop it. Understanding what harassment technically is could help stop it.

Luckily debtors have plenty of rights due to the Fair Debt Collection Practices Act.

FDCPA protects people by implementing various rules the debt collectors are require to follow. When collectors break these rules that's when it turns into harassment.

Some of the most common violations are:

1. Harassing you with repeated calls

2. Using abusive language

3. Calling you at work after you asked them to stop

4. Calling before 8 a.m. or after 9 p.m.

5. Discussing your debt to anyone other than you or your attorney

Familiarize yourself with the Fair Debt Collection Practices Act, that way you to understand what your consumer rights are.

If you believe that you're rights are being violated by harassing debt collectors there are few steps you can take to fight against them in a FDCPA case.

The first is to make sure you get documented information, that means before you speak to a debt collector, you can ask for him or her to send you a notice explaining how much money you owe, the name of the creditor, and what actions to take if you believe you don't owe money.

The second step is to record all phone calls and messages. This includes dates, times, and conversations - this could help prove that the debt collector is violating the FDCPA. But it is important to note that you cannot record a person without their consent, or that can constitute a crime.

Another step is to keep a record of any personal damages resulting from credit harassment, this can range from heart attacks to divorces. Any serious toll that was directly caused by collectors should be written down.

Lastly contact Attorney Sierra's Law Office to file against debt collectors violating any FDCPA rights. Debt doesn't have to include harassment, make the call today.

We at Timothy J. Sierra Attorney at Law would like to state that our blog posts and links, on our web page or any other social media outlet, to any other web pages are not intended for legal advice. We are not responsible for third party website information. If one is in need of legal advice please contact an attorney directly.

Source: Bank Rate | Finance & Debt

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