If you are falling behind on your financial commitments this can be a major cause of stress. Whatever lead to the issue and regardless of what you are doing to try and fix the situation, aggressive debt collectors only make matters worse. Calls at home, calls at work, calls to family and other communications demanding payment all make an already difficult time unbearable. You do not have to accept debt collector harassment. There are laws in place to grant you rights and regulate how collection agencies can conduct themselves so if you are currently a victim of harassment regarding your debts Guidestone Law Group can help put a stop to it.
Guidestone Law Group – FDCPA
What Is a Violation of the FDCPA?
The FDCPA (Fair Debt Collection Practices Act) was established in 1978 and is governed by the Federal Trade Commission. The purpose of the act is to protect individuals from unfair debt collection methods that many collection agencies use to try and intimidate debtors. Under the FDCPA abusive collection practices can be reported and the creditors held liable. It also aims to advocate for fair debt collection and provide methods for debtors to validate and dispute debt information.
Covering all aspects of consumer debt collection, the FDCPA creates guidelines, rules of conduct, consumer rights, and provisions for penalties when breaches of the act occur. Examples of unfair, abusive and deceptive collection practices include:
- Leaving messages that are threatening or the use of profanity during any communication.
- Calling you at work, including on your personal phone, after you have informed them to not contact you in this way.
- Calling you early in the morning or late in the evening (From 9pm until 8am the next day)
- Making any statement or threat in regard to an action, such as a lawsuit, that they do not intend to follow through on.
- They have no right to take your property and can not threaten to do so.
- They must not discuss details of your debt to any third party. i.e. Friends, Family, Co Workers.
- They must inform you that they are debt collectors and the purpose of contacting you is an attempt to collect on a debt owed.
The provisions of the FDCPA only apply to third party debt collectors of consumer debts such as personal loans and car loans, utility bills, student loans, and medical debt.
Creditor Harassment Management
The abusive practices of many debt collection agencies can be stopped by your legal representation. If you are currently experiencing debt collector harassment you do not have to deal with it personally. There are rights and protections that can be enforced by your lawyer to help stop any violations and they can then work with you to fix the underlying problem with the support of a knowledgeable team on your side. The calls can stop, all communications will be handled by your lawyer and if your rights have been violated the debt collector(s) can be held accountable.
Guidestone Law Group offers a no-obligation case evaluation to learn more about your rights. Call now and stop creditor harassment.