In case you haven’t heard, a new rule by the Consumer Financial Protection Bureau, or CFPB for short, will now allow debt collectors to contact you on social media, and through other electronic means such as email and text messages. That means you need to worry about hearing from debt collectors every time you open your social media sites, check your email, or check your text messages. It also means that debt collectors have new ways to harass you. In the good old days, before the rule passed, debt collectors were only allowed to contact you on your house phone, work phone, or cell phone.
They were also allowed to correspond with you through the Unites States mail system. It’s bad enough for you to worry each and every time that the phone rings. It was bad enough for you to worry each and every trip to the mailbox. Now you’re going to worry each and every time you go on your social media platforms, open up your email, or check your text messages. Although it may feel as if the federal government favors the debt collectors, they actually do protect consumers as long as you are aware of your consumer rights in regard to debt harassment.
In essence, there are a set of strict rules that debt collectors must follow when attempting to collect a debt from you. Although they have a right to attempt to collect a debt or multiple debts that you may owe them, debt collectors must show you respect and decency at all times. This holds true even if they become frustrated with you because you are not going to pay them anything at this time, and or don’t know when you will be able to pay them. If a debt collector breaks the rules they are actually doing something that is called debt harassment, which is a serious problem.
However, the fact of the matter is that some debt collectors do not follow the rules. These debt collectors commit debt harassment and could care less about doing so unless they happen to be caught. The reason we say happen to be caught instead of caught is because most debt collectors that commit debt harassment actually get away with it. Do you know why? The answer is simple. Most debt collectors who commit debt harassment get away with it because the vast majority of consumers don’t realize that the debt collector is doing something wrong.
The bottom line is that most people have no idea that they have consumer rights that protect them against debt harassment. We are here to inform you that you no longer need to let the debt collectors off of the hook. You no longer need to suffer from debt harassment if you are being harassed by a debt collector. You can actually put those days in the rearview mirror even though debt collectors are now allowed to contact you through social media, emails, and text messages. Here are a few things that you need to know in order to stop being a victim of debt harassment.
First and foremost, when a debt collector contacts you through electronic based methods they are not allowed to make any threats. Yet some debt collectors will make threats. You need to keep in mind that some of these threats may sound incredibly scary to the point that they wrack your nerves. Yet no matter how convincing a debt collector may sound when making threats, they are nothing but lies. When you are aware of the fact that debt collector threats are nothing but lies, you won’t be scared about them. Here’s a good example of a threat/lie that many dishonest debt collectors will tell you.
If a debt collector reaches out to you on social media, sends you an email, or texts you a message that states you will be arrested if you don’t pay the debt that you owe them it is a flat out lie. It is also a form of debt harassment. The good news is that you don’t need to stand for this. Your Legal Rights Advocates will help you stand up for yourself. All you need to do is contact us today and tell us exactly what you are going through. We will both listen to you and take action if action is warranted. In many cases, victims of debt harassment may be able to sue the debt collection agency in a court of law for pain and suffering.
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