Know Your Rights and the Law
The Federal Trade Commission has set in place laws with the Fair Debt Collection Practices Act that are intended to protect consumers from harassing debt collectors. According to the law on FDCPA violations, a debt collector:
- Cannot annoy, abuse or harass you by repeatedly calling on a continuous basis.
- Is not permitted to call you before 8 a.m. and after 9 p.m. within your local time zone.
- Cannot falsely represent themselves as a government entity.
- Cannot threaten you with violence or harm.
- Cannot use offensive or profane language.
- Cannot publicize your name or address if you allegedly decline to pay debts.
- Cannot communicate with you by postcard or use any language on the outside of any envelope that relates to the collection of a debt.
- Must identify themselves and, if requested, the identity of their employer.
- Must inform you of your right to dispute the debt and supply written verification if you argue the debt in writing.
- Must stop communicating with you if you inform them that you are being represented by an attorney regarding the debt. After that, they can only speak with your lawyer.
Actions You Can Take Against Debt Collector Harassment
If you are persistently being harassed by debt collectors, there are steps that you can take that are well within your rights as a consumer. You should start off by requesting them to stop contacting you in a letter or email. As long as it’s in writing, they must obey your request.
If the illegal behavior persists, file a complaint with the Federal Trade Commission. Be sure to keep track of any unlawful conduct in order to build a strong case.
You should also contact the St. Louis debt harassment attorneys at Carey, Danis, & Lowe. We will use our expertise to help you seek legal action against the harassing debt collector. We can help you recover the costs of such things like the fee for switching your phone number or obtain compensation for other damages.
At Carey, Danis, & Lowe, we have debt settlement attorneys that specialize in putting an end to debt collector harassment by helping you settle your debt efficiently. You are not alone and the attorneys at Carey, Danis, & Lowe recognize your situation and are ready to help. Contact us today at 877-750-6441 or 314-272-4664.