Under the Fair Debt Collection Practices Act (FDCPA), creditors have to abide by certain laws and regulations regarding what they can and cannot do when attempting to collect a debt. However, many unscrupulous creditors regularly violate these laws and engage in creditor harassment. Here’s what you need to know about creditor harassment and, additionally, what steps you can take to get relief.
- Call you at unreasonable hours, including late at night or very early in the morning. There are certain hours, however, that creditors are allowed to call between.
- Call you at work. If you inform a creditor that the number they are calling is your work number, they must no longer contact you at that number.
- Call you an unreasonable number of times. Creditors cannot call you repeatedly beyond what would be considered a reasonable effort to collect on a debt.
- Contact your employer. While creditors can contact your employer to determine your location, they are not allowed to mention the debt.
- Call you without letting you know who they are. Creditors must identify themselves when they call you and let you know that they are attempting to collect a debt.
- Be deceptive. Creditors may not be deceptive about what they are calling about or engage in any conduct that would be considered deceptive.
- Be derogatory. Creditors cannot call you and use obscene language or insult you, even if you are unable to pay the debt they are trying to collect.
- Threaten you. Creditors may not threaten you with arrest, tell you that you will lose food stamp or welfare benefits, or tell you that you will lose custody or visitation with your child if you do not pay your debt. Creditors may not threaten you with repossession without the legal right to do so or the intent to pursue it.
- Put information on their written communications that identifies them as a debt collector and the correspondence being about a debt.
When to Call a Creditor Harassment Attorney
You may have legal recourse when harassed by creditors engaging in any of the above conduct. Contact the Law Office of Howard Tagg to learn more about the different ways you can stop creditor harassment and get control over your finances. Call today for a consultation to discuss your needs at (903) 730-6366.