There’s nothing more frustrating and worrying than being harassed by creditors and debt collectors over and over. Unfortunately, creditor harassment is incredibly common, especially because many people don’t fully understand their rights and don’t know who to contact in order to get this behavior to cease.
With the right legal representatives on your side, you can stop creditor harassment and regain control of your finances and bills. Let’s take a closer look.
Creditor harassment occurs whenever a creditor or debt collector violates the Fair Debt Collection Practices Act or FDCPA. While debt collectors are allowed to contact debtors or money borrowers when needed, they have to do so safely, legally, and fairly.
However, any creditors do not abide by the FDCPA, nor do they always take the necessary steps to make sure that they have the right person. You can be subject to creditor harassment if:
Under the FDCPA, all American consumers have protections during and after the debt collection process. For example, when a debt collector contacts you, the collector must:
Furthermore, when a debt collector initially contacts you, you have various rights, including:
For example, if a debt collector contacts you and immediately demands money, they are in violation of the FDCPA and are technically harassing you. If you request validation of a debt and the creditor decides not to provide you with any details but still contacts you, they are also harassing you.
If the debt collector can prove that the debt is yours, you may be on the hook to pay for it. But if the debt collector can’t prove that the debt is yours, they should cease communication attempts immediately.
In truth, debt collectors can harass you in many different ways, including:
If you’ve experienced any of these behaviors, it’s a good idea to contact creditor harassment attorneys right away. Creditor harassment attorneys are specialized for cases just like this, and they are the worst enemies of harassing debt collectors around the country.
Creditor harassment attorneys can provide a wide range of assistance to people just like you. Creditor harassment attorneys have the legal expertise and knowledge to help you navigate tricky situations like this, including informing you of your rights immediately.
Creditor harassment attorneys can provide further benefits and help, too.
Creditor harassment attorneys can offer sound legal counsel throughout the process from start to finish. For example, if you aren’t sure whether a debt collector has violated the FDCPA, you can ask your attorneys and they will clear up the issue for you immediately.
Furthermore, you may not know what type of letter you need to send a debt collector in order to get them to stop their harassment. Your attorneys can tell you exactly the type of letter you need to send, help you write it, and send it on your behalf.
When you need to file a debt validation letter or some other letter, typos, inconsistencies, and other accidentally written misinformation can compromise your efforts. Knowledgeable attorneys know exactly what to say, how to say it, and how to frame your perspective in a debt validation letter to get an immediate response from debt collectors.
If debt collectors continue to try to contact or harass you, your attorneys can negotiate with them and even speak to collectors on your behalf. This can be highly beneficial if debt collectors have been aggressive or tried to intimidate you, and you don't wish to interact with them whatsoever any longer.
In many cases, debt collectors who harass debtors do so because they believe they can intimidate debtors into giving them what they want. When they see a knowledgeable team of attorneys backing them, many debt collectors back down and stop their efforts.
In some situations, it may be advantageous to sue the debt collector or collection agency that is harassing you. If you sue them, your attorneys can represent you in court and put together a strong case to ensure you receive damages for the harassment that you suffered previously.
Navigating any court case alone is difficult, even in the best of circumstances. Should you decide to sue a debt collector for inappropriate behavior, don’t do it alone. Make sure you have attorneys working for you so your lawsuit turns out successfully.
Ultimately, no one should be subject to creditor harassment. Remember that you always have rights, and even though debt collectors can pursue you for money you owe, they have to do so legally. If they aren’t, you should contact Fair Credit today.
As experienced credit and debt harassment attorneys, we’re the perfect law firm to contact if you’re having trouble with one or more debtors. We’ll review your situation, recommend legal actions, and support you throughout the process. Contact us today to learn more.