Harassment by a debt enthusiast can come in various forms yet examples consist of repetitious call meant to irritate or abuse, salacious language, and also risks of physical violence.
No harassment: The Fair Debt Collection Practices Act (FDCPA) says debt collectors can’t harass, oppress, or abuse you or anyone else they contact.
Some examples of harassment are:
- Repetitious phone calls that are meant to annoy, misuse, or bug you or anybody addressing the phone
- Obscene or profane language
- Threats of violence or harm
- Publishing lists of people who refuse to pay their debts (this does not include reporting information to a credit reporting company)
- Calling you without telling you who they are
You can also sue the financial obligation enthusiast for violations of the FDCPA. If you take legal action against under the FDCPA and win, the financial debt collector have to normally pay your lawyer’s fees and also may additionally need to pay you damages.
No misrepresentations: The FDCPA also says debt collectors can’t use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including:
- The amount owed
- That the person is an attorney if they are not
- False threats to have you arrested
- Threats to do things that cannot legally be done
- Threats to do things that the debt collector has no intention of doing
Did you know that debt collection agency normally can not call you after 9 p.m.? Find out concerning financial obligation collection, harassment, and more by looking or browsing.
FAQ About Debt Collectors
Answer: No, if you dispute the debt in writing within 30 days of the initial communication the debt collector must stop all collection activity until it provides the required verification.
Any debt collector who contacts you claiming you owe money on a debt is required by law to tell you certain information about the debt. That information must include:
- The name of the creditor
- The amount owed
- That you can dispute the debt and that if you don’t dispute the debt within 30 days the debt collector will assume the debt is valid
- That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt
- That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information
If the debt collector doesn’t provide this information when it first contacts you, the debt collector is required to send you a written notice including that information within five days of first contacting you.
Warning: You can lose valuable rights if you don’t dispute a debt in writing within 30 days.The CFPB has prepared sample letters that a consumer could use to respond to a debt collector who is trying to collect a debt along with tips on how to use them. The sample letters may help you to get information, stop or limit any further communication, or protect some of your rights. Always keep a copy of your letter for your records.
You have 30 days to dispute a debt or part of a debt within 30 days from when you initially get the called for details from the financial debt collector. When you contest the financial obligation, the financial obligation collection agency can not call or contact you to collect the debt or the disputed part of the financial obligation up until the debt enthusiast has actually offered confirmation of the financial debt in contacting you. Your conflict must be made in composing to make sure that the debt collection agency has to send you verification of the financial obligation.
More About Our Services
- Bankruptcy Attorney
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Asset Protection
- Creditor Harassment
- Debt Lawyer
- IRS Debt Attorney
- Loan Modification Lawyer
- Student Loan Debt Lawyer
Areas We Serve in Florida
Boca Raton | Boynton Beach | Delray Beach | Lake Worth | Palm Beach Gardens | West Palm Beach | Atlantis | Belle Glade | Greenacres | Lake Worth | Pahokee | Palm Beach Gardens | Riviera Beach | South Bay | Westlake | Fort Pierce | Port St. Lucie | Towns | St. Lucie Village | Tradition | Fort Pierce North | Fort Pierce South | South Hutchinson Island | Indian River Estates | Lakewood Park | River Park | White City | St. Lucie County | Palm Beach County