Abuse or harassment on the part of debt collectors is not a recent development. Collectors have been engaging in illegal collection tactics for many years, victimizing millions of consumers in the process. It is because of this harassment that the Fair Debt Collection Practices Act (FDCPA) was enacted by Congress in 1978. This act provides clear guidelines as to the acceptable behavior of debt collectors, and delineates what they may not do when attempting to collect a debt from a consumer.
A Few of the Primary Rules of the FDCPA State That a Collector Cannot:
Treat you in an undignified manner, such as using foul or abusive language
Call other people and discuss your debt
Contact you after written notification that you do not want to be contacted any further
Accuse you of having committed a crime
Use deceptive methods to collect debts
Call you before 8:00 a.m. or after 9:00 p.m.
Call you, but not announce who he/she is
Speak to others (family, friends, neighbors) about your debt
Fail to send you written details about the debt within 5 days of the first call placed to you
Fight Back Against Debt Collectors
If you are being subjected to abuse by a debt collector, it is strongly advised that you contact an experienced Lehigh Valley debt attorney as soon as possible. Contact our offices today, and we will review your particular circumstances in order to determine how best to obtain a cessation of your abuse.
It is not always easy to get a debt collector to cease their abusive or harassing practices against you. If they suspect that you are not fully informed regarding debt collection law, they will seek to get around FDCPA rules and continue to harass you until you pay your debt. By acquiring the services of a skilled attorney, you are arming yourself with the legal assistance necessary to improve the likelihood of a favorable resolution to your abuse case.