Dealing with debt isn’t easy, especially when creditors start harassing you. Below, we take a look at the definition of creditor harassment, the laws against it and what to do if you’re experiencing abuse from a debt collector.
What’s Considered Creditor Harassment?
Creditor harassment is a form of harassment that occurs when a creditor or debt collector engages in abusive behavior to try to collect a debt. This type of harassment can take many forms, including phone calls, text messages, emails, and letters. Creditor harassment can be intimidating and can cause significant stress, anxiety, and emotional distress.
Some examples of creditor harassment include:
- Frequent phone calls
- Threats of legal action
- Abusive language
- False statements
The Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from abusive debt collection practices. The Act outlines specific rules that creditors and debt collectors must follow when attempting to collect a debt.
Some of its key provisions include:
- Limits on communication
- Prohibited behaviors
- Verification of debt
Steps To Take When Being Harassed By A Creditor
If you are facing creditor harassment, there are steps you can take to protect yourself. First, keep a record of all communication you have with creditors or debt collectors. This includes phone calls, emails, letters, and text messages. Keep a log of the date and time of each communication, as well as a summary of what was said.
If you want to stop all communication from a creditor or debt collector, you can send a cease and desist letter. This letter notifies the creditor or debt collector that you do not want to be contacted anymore. Once the creditor or debt collector receives this letter, they are prohibited from contacting you except to notify you of legal action.
If you don’t think you actually owe the debt, you can dispute it. You have the right to request verification of the debt from the creditor or debt collector. If they can’t provide verification of what you owe, they are legally required to stop all collection efforts.
When To Take Legal Action
If you are facing creditor harassment, you may want to seek legal help. An attorney can help you understand your rights and can help you take legal action to stop the harassment. Call Sims Bankruptcy Law, PLLC now for more info or to book your free initial case consultation by dialing 469-751-7467 or 254-304-7161/