Legally Stop Intentionally Harassing Debt Collection Calls
Debt collectors are often pushy to the extent of disrespect towards anyone who is not able to pay their debt in time. Their methods can border on harassment or truly become full-blown harassment in many cases. Calling someone several times a day and often in less than pleasing tones serves no purpose. This becomes a case of harassment for the debt defaulter who for any number of reasons might not be able to pay the debt.
Know Your Rights in Dealing With Debt Collectors
If you know your rights when it comes to dealing with debt collectors you might be able to stop the harassing calls using legal methods. First, know that you have rights even if you have failed to pay your debts. Then know the dos and don’ts that a debt collector has to follow accordance with the laws.
- Debt collectors cannot call you several times a day or before 8 AM. They cannot call you after 9 PM or during unreasonable hours.
- They can’t threaten you in any way.
- They cannot reveal information about your debt and debt problems to anyone including your family, friends, neighbors and employer.
- Debt collectors need to identify themselves as such in the first contact with them. Any failure to do so is breaking the law from their side.
- There cannot use abusive words or bad language. They have to behave politely every time. Failing to do so falls under harassment.
- They cannot use lies or false information or any other illegal tactic to extract information or payment out of you.
Seek Legal Help When Collection Becomes Harassment
If you are a defaulter; reasons notwithstanding; and if you are getting harassed by a debt collector, immediately seek counsel of a debt harassment attorney to help you out. A lawyer can help you with many things.
- Your lawyer can act on your behalf to stop the debt collector from calling you using any illegal means.
- They can help you get any damages you might be entitled because of the harassment by the debt collectors.
- Your lawyer can help you file written complaints against the debt collector so that they cannot harass you in the future.
- Once you hire a lawyer, the debt collector can only contact you through your lawyer.
- A lawyer can also get you compensation for your legal expenses.
- Your lawyer can help you with your correspondences stating your circumstances and the payment plan you are comfortable with directly to the debt company or the debt collector.
Hopefully, you will never be in a position in which you need the legal services of a Tampa Bay lawyer that specializes in debt harassment, but in the event that you do, please give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced attorney at your side, you can recover the largest possible settlement and get back to living your life.