A financial hardship is difficult enough without debt collectors harassing you. If this becomes a problem, you’re sure to find yourself in an even more stressful situation.
Fortunately, there are things you can do to protect yourself. First and foremost, remember this: Debt collectors are not permitted to do whatever they want.
The Fair Debt Collection Practices Act (FDCPA) was created with the purpose of protecting consumers against debt collector harassment. In addition to federal laws, there are also state laws in place to protect you.
Here are some of the many things debt collectors are not permitted to do under the FDCPA:
- Make calls outside of the hours between 8:00 a.m. and 9:00 p.m.
- Failing to comply with a request to cease all communication
- Numerous calls with the intent of harassing or annoying you
- Contacting a consumer at their place of employment
- Communicating with a consumer who is represented by a lawyer
- Threatening legal or criminal action, such as an arrest
- Using profane language
- Threatening to visit a person at their home
- Seeking inaccurate amounts
- Reporting (or threatening to report) false information to damage the consumer’s credit score
It’s easy to lose sight of your legal rights when a debt collector is harassing you. However, once you know what they can and can’t do, it’s much easier to protect your rights and put an end to the harassment once and for all.
If you’re unable to stop illegal collection practices on your own, you may want to consult with an attorney who can explain your rights and help you reach a resolution.