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Debt Collection Harassment

Debt Collection Harassment

We can all probably remember a time when life was “better”.  A time when we had more money in our bank account, a time before we lost our jobs or were at least not terrified of losing it.  It probably wasn’t that long ago when the debt collectors were not contacting you, that your phone was not ringing off the hook and that your friends and family members were not informing you that they were receiving your collection calls.  Although this might be new to you, Debt Collection Harassment is nothing new.  In fact, the law that regulates Debt Collectors, the FDCPA, was passed in 1978.  Although you might be embarrassed that you are getting collection calls, I assure you that you are not alone.  Our attorneys have spoken with thousands and thousands of consumers that were in the same position as you are.  Out of the thousands of consumers we’ve helped, we’ve yet to find one that didn’t plan to pay the loan back when they borrowed the money.  While you might be ashamed that you lost your job, chances are it wasn’t your fault.  While there might not be as much money in your bank account, that isn’t your fault either.  Likewise, the fact that you are getting contacted by debt collectors, let alone mistreated by debt collectors also isn’t your fault.  The fact is, the system of debt collection in America rewards those companies that break the law.  By breaking the law, debt collectors are able to collect more money than by complying with it and collectors know this.  Unless more consumers  stand up for their rights, there will always be an economic advantage for debt collectors to break the law.

The Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act was passed by Congress in an attempt to prevent Debt Collectors from stepping over the line while collecting debts.  The basic premise of the statute is that while Congress understands that we should pay our debts if at all possible, at the same time, Debt Collectors should not treat those that are unable to pay disrespectfully.  The law  forces non compliant debt collectors to pay you money if they break the law and forces the debt collector to pay your attorney fees.  Therefore, if you think a debt collector might have crossed the line, reach out to us.

EXAMPLES OF FDCPA VIOLATIONS:

  • Calling you at work after you asked them to stop.
  • Contacting your friends and family members in an attempt to get you to pay.
  • Disclosing to anyone that you owe a debt.
  • Threatening anything “legal” against you if they are not an attorney
  • Attempting to contact you once you’ve retained an attorney.
  • Harassing, insulting, or verbally abusing you.
  • Calling repeatedly on the same day
  • Not disclosing to you that they are a debt collector during every communication.

The list above contains examples of FDCPA violations. Just because what the debt collector did to you is not listed doesn’t mean the debt collector hasn’t violated Federal Law. So, please don’t be shy in contacting us. Debt Collectors don’t think you’re smart enough to know and enforce your rights. Show them that not only was their conduct wrong, but so was their assumption that you wouldn’t do anything about it. Contact us today for assistance.