If you are currently in debt, you have most likely been a recipient of those constant phone calls or all those letters in the mail. The constant communication from a debt collector can cause stress and begin to drain a person. If you’re feeling pressured, it’s pretty normal but there is no need to worry because you are actually protected under the law. The Fair Debt Collection Practices Act (FDCPA) bans debt collectors from harassing you to collect debt.
Debt collectors cannot use abusive or deceptive practices to collect your debt. As a consumer, you are protected you have personal, family, or household debts such as medical bills or mortgages. They are not allowed to contact you any time or any place. For instance, they cannot call your at work if you informed them your boss does not allow it. While they can contact you by letter, email, text, or phone calls, they cannot call extremely early in the morning or late at night.
If the constant contact begins to irritate you, you are allowed to write a letter to the collector to discontinue contact. However, the creditor still has the ability to sue you in order to collect money. They can also contact a third party once but only to find out location information and they can only discuss your debt with your spouse or attorney.
If the debt collector still has permission to contact you, they are not allowed abuse you by any means. So, they cannot make any threats of violence or even use obscene language. Collectors cannot falsely claim that you committed a crime so that you can speak to them or lie about the amount you owe. They are also prohibited from stating you will be arrested or seize your property or wages if you don’t pay your debt. Also, if they send you any type of documents, they are not allowed to lie about them as well. So, if the forms are legal forms, they cannot pretend they are just normal documents and vice versa.
These are just a few ways debt collectors may violate the law. If you are experiencing harassment from an aggressive collector, then do not wait to contact a consumer protection attorney. With 19 years of experience, the Alexander Law Firm can and will protect your rights. Give us a call as soon as possible at 248-246-6353.