Aggressive Advocates For Your Rights

What constitutes debt collector harassment?

Millions of people around the United States receive calls from debt collectors on a regular basis. For many people, it becomes such a way of life they do not even realize when the phone calls turn into legitimate harassment. You should be aware that you have rights as a debtor

Some forms of harassment are easy to spot, such as the caller using threatening or obscene language. Other tactics may seem normal to you, but in actuality, they are in direct violation of federal laws all debt collectors must follow. Here are examples of harassment to stay on the lookout for. Do not hesitate to consider legal action if a debt collector commits any of these acts. 

Frequent or inconvenient calls

You may become used to having the debt collector call every day at 2 p.m. That is a fairly standard time when most people are awake anyway. However, if the collector contacts you at 11 p.m. or 5 a.m., you may want to review your legal options. In the event a time such as 2 p.m. would be inconvenient for you because you work nights, then you can inform the caller of your situation. You can provide a time that would be better for you, and at that point, the caller would need to oblige. Additionally, calling once a day is standard, but if you receive a call every hour, then that is abuse. 

Present false information

The police cannot arrest you if you have fallen behind on your debts. If a debt collector informs you the police will become involved if you do not pay, then you should inform the caller that information is incorrect. The debt collector cannot pretend to be an attorney on behalf of the agency telling you that you must pay right that second. To stay safe, you should keep records of all your conversations with debt collectors, so you can use them as evidence if you file a complaint. 

 

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