There are countless debt collectors who are committing debt harassment across the United States on a daily basis, but in order for you to do something about it you need to know your consumer rights regarding this topic. The bottom line is that many debt collectors continue to use illegal tactics because they know that the vast majority of consumers simply don’t know that it is against the law. For example, debt collectors can’t continue to contact you after you inform then that you don’t want to be contacted. Even if you didn’t know that fact, debt collectors are not allowed to contact you by phone, email, or text message multiple times per day.
Furthermore, they are only allowed to contact you between certain hours. They are also not allowed to stuff your mailbox with endless letters. Some debt collectors will contact your family, friends, neighbors, and even your boss if they can’t reach you directly. This is another huge violation. They are not allowed to do this. Your financial information including your debt is not on public display. It is not for other people to know unless you yourself decide to tell them. The good news is that you have rights; you just need to know about them in order to use them.
The Fair Debt Collection Practices Act (FDCPA) says debt collectors can’t harass, oppress, or abuse you or anyone else they contact. Some debt collectors are so deceitful that will make threats of violence or harm. They may also inform you that they are publishing a list of people who refuse to pay their debts in the local newspaper and on social media channels. In addition, debt collectors can’t call you without telling you exactly who they are. The FDCPA also states that debt collectors can’t use false, deceptive, or misleading practices, or make misrepresentations about the debt, including the amount of money you owe, or that they are an attorney if they are not.
Debt collectors simply cannot make false threats to have you arrested, or make threats to things that can’t be legally done. It is always a smart idea to keep a file of all letters or documents that a debt collector sends you, and copies of anything you send to a debt collector. In addition, write down dates and times of conversations along with notes about what you discussed. These records may very well help you if you have a dispute with a debt collector, meet with a lawyer, or go to court.
If you feel that you are being treated unfairly by a creditor or collection agency, please contact us immediately. Legal Rights Advocates, Inc. is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more. LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices.
LRA is an accredited member of the Better Business Bureau, and we have well over 500 Five Star Rating Reviews online from across the United States. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841 or click here to visit our website. We look forward to working with you.
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