When you have debts that you owe to creditors, it is likely that you will find yourself feeling stressed and anxious. It is also probable that you will be in regular contact with debt collectors who will be pressuring you to repay what you owe.
While debt collectors have a job to do, there are some fine lines between what is acceptable behavior and what is a violation of consumer rights. As a debtor who is frequently contacted by debt collectors, it is very important that you understand what your rights are so that you can protect yourself by taking action when your rights are violated.
What actions from debt collectors are prohibited?
There are many ways in which debt collectors can make debtors’ lives miserable. This can lead to debtors feeling hopeless, anxious, and it is even possible for them to develop mental illnesses as a result of the stresses that harassment from debt collectors can cause.
Debt collectors cannot call repeatedly or continuously, even when the debtor does not pick up the phone. In addition, it is unlawful for a debt collector to use obscene and insulting language while in contact with debtors, and they cannot be abusive or threatening in any way.
There are also time restrictions regarding when debt collectors are allowed to get in contact with debtors. They are restricted to contacting debtors between 8 a.m. and 9 p.m. in the local time of the debtor. In addition, if they know that calling a debtor at a certain time will be inconvenient for him or her, they must refrain from attempting communication.
Debt collectors are also occasionally accused of asking debtors to play more than what they owe by addition fees and interest rates. As a debtor, it is very important to note that this type of behavior conducted by debt collectors is always illegal, and you should never agree to these unexpected charges.
If you are feeling overwhelmed by debt collector harassment, it is a good idea to empower yourself by knowing what type of behavior is a violation of your rights. It is possible to take legal action against debt collectors.