Financial hardships can be very stressful.
The last thing you need is harassment from debt collectors to add to that stress.
The FDCPA lists several examples of prohibited behavior, including:
- Calling at unreasonable hours, i.e. before 8:00 a.m. and after 9:00 p.m.
- Continuing to call consumers after they ask the collector to stop.
- Using threats of violence or harm.
- Threatening arrest if you don’t pay your debt
- Calling consumers at their job.
- Continuing to call after learning that the consumer is represented by an attorney.
- Using misleading or false representations when trying to collect.
- Using profane or abusive language in any communication.
If a debt collector does any of the above, you may be entitled to damages up to $1,000 and attorneys’ fees. If you think that a debt collector has violated your rights, please give me a call today.