Dealing With Debt Collector Harassment
It is a really hard situation when people become victims of debt collector harassment and other unethical actions from those claiming to be debt collectors. A person may be able to legally file a lawsuit with the help of a debt collection attorney because of the consumer protection laws that have been put in place to stop these offending and harassing debt collectors. There are multiple federal and state collection laws that have been implemented to provide protection to consumers against harassment, threatening, and unwanted intrusive phone calls by debt collectors.
It is important to note that there are three key federal legislation and put forth to protect consumers against illegal behaviors from unethical debt collectors. These laws are the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and also The Telephone Consumer Protection Act. These make it very clear about when a debt collector is legally able to contact those that are in debt. The law makes it very plain about how and when they may contact a consumer with regard to a debt. There are certain actions that debt collectors can legally take against those that are debt, and many actions that are considered to be illegal.
Among things that are governed by the statues mentioned earlier are the hours that a debt collector is legally allowed to place phone calls and to the debt collector is allowed to contact regarding the debt. The debt collector is not allowed to call anyone who does not owe them money directly, such as a family member, neighbors, and others. It is a highly illegal activity. When a debt collector calls people other than the debtor for information on the ones who owe money, or communicate any information other than leaving a message. Speaking to anyone other than the debtor about the amount owed, or other particulars is a form of harassment. It is also prohibited for the debt collector to make threatening phone calls or repetitive phone calls in an attempt to harass the debtor. The violation of these laws can open the debt collection agency to legal action and fines. These fines can be as much as 500 dollars to 1000 dollars for each occurrence in relation to the acts that are prohibited by these laws.
The fair debt collection practices act clearly and plainly designates the proper method of conduct for debt collector when contacting and interacting with the person that owes money. It is considered to be illegal for the debt collector to knowingly contact person when it is not a convenient time or place for contact. It is considered a crime for the debt collector. Discuss any information regarding the debt with third parties without the person’s direct consent. The use of vulgarity and threats are illegal, at any time.
Hopefully, you will never be in a position in which you need the legal services of a debt collection harassment attorney, but in the event that you do, please give Hoag Law Firm a call at or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced Tampa personal injury attorney at your side, you can recover the largest possible settlement and get back to living your life.