Falling behind on your payments or having a delinquent account can be a very stressful situation for most people. The majority of people want to pay their bills on time, pay their credit cards off, and maintain a good credit score. However, sometimes things that are out of our control leave us financially unable to make our payments. The loss of a job, or a medical emergency might be the reasons behind your late or absent payments, but the debt collectors don’t care about what your reasons are. All the creditors want to know is when you will be making a payment. The “Fair Debt Collection Practices Act” was created to stop nasty debt collection tactics.
Even with the “Fair Debt Collection Act” there are still many creditors out there who will utilize strategies, which are strictly prohibited by the Fair Debt Collection Act. Below are some of “prohibited” methods creditors have been known to stoop to in an attempt to intimidate, and pressure a debtor into paying their bill, or paying off their balances.
Nasty Debt Collection Acts
- Use of intimidation
- Making repeated telephone calls
- Calling you at unreasonable times – before 8:00 AM or after 9:00 PM, unless you have given the debt collector permission to contact you during those hours.
- Contacting you at your place of employment
- Making threats of violence
- Using abusive language, obscenities, racial slurs or insults
- Threatening that you will be arrested if you do not pay off the debt
- Contacting a third party who does not owe the debt; such as your relatives
If you are not in a situation where you are experiencing these nasty tactics, it might seem far-fetched. How could established well-respected creditors behave in such a way? I can guarantee you that this does happen. If you are in this situation and you are being harassed the only thing that will put an end to this harassment is legal action. A lawyer can stop the creditors from harassing you. After hiring a lawyer, your debt collectors will be instructed to go through your attorney with all of their inquires. Once that is done, they should no longer contact you.
Stop Creditor Harassment
If you are being harassed by creditors under the Fair Debt Collection Practices Act, you have the right to sue a debt collector in state or federal court within one year from the date of the violation. If you win, you may recover damages in the amount of any losses you suffered as a result of the violation, plus an additional amount of up to $1,000.00. You may also be able to recover court costs and attorney fees. We can help put an end to this harassment. We offer free legal consolation to prospective clients. Contact us today (888) 728-0044 or email us here.