If creditors are harassing you, you do not have to accept the behavior as part and parcel of being in debt. The Fair Debt Collections Practices Act (FDCPA) protects consumers from unfair and abusive behavior by debt collectors.
A debt collector, for the purposes of the FDCPA, is any debt collector trying to collect money owed to someone else. In some cases, the original creditor will contact the debtor for payment. In other cases, it is a collection agency that bought the original debt. In still other cases, you may be dealing with overzealous attorneys seeking to collect money on behalf of a client. If your original debt has been turned over to a third party for collection, the FDCPA applies.
The FDCPA Protects Consumers from harassment by debt collectors through the mail, phone, email, or any other form of communication. Harassment can include yelling, profanities, frequent calling (multiple times in one day), early morning or late night calls, etc.
How to Deal with Harassment from Debt Collectors:
If you don’t want to talk to a debt collector anymore, hang up. Before you hang up, state the reason you are ending the call even if they don’t pause to listen to you talk. For instance, I do not have any money to pay you, or you are loud and abusive.
If creditors are harassing you, write a letter to the creditor demanding that they cease bothersome collection practices. Be specific. Send the letter by certified mail and request a return receipt. Please note that the Cease Communications Letter will tell the debt collector to stop harassing you, but it does not erase the debt.
If the creditor contacts you for collection on the debt after receiving a Cease Communications Letter, they are in violation of FDCPA.
If you have experienced this or any other violation of FDCPA, please get in touch with one of the experienced consumer protection attorneys at Aronow Law PC today so we can help you protect your rights.