What To Know About Debt Collection Harassment

June 10, 2016

What is Debt Collection Harassment?

Debt collectors often try to play on a person’s ignorance to collect money by any means possible. They often employ tactics such as sending multiple letters or calling a person repeatedly. Some may even resort to making threats or false claims to scare you into paying a debt. If this is the case, you immediately need to contact the authorities. Otherwise, an experienced insurance lawyer can help mediate this situation.

 What Laws are in Place to Protect Me From Collection Harassment?

There are federal laws, known as the Fair Debt Collection Practices Act that require debt collectors to follow certain rules when attempting to collect a debt. Debt collectors cannot use a false company name or misrepresent the amount that you owe. A company cannot use profane language or make false statements about you to credit reporting companies. These actions are considered forms of harassment under the law and entitle you to damages.

What Qualifies As Harassment?

Damages to you or your family can come in the form of long distance calls, missing work, reduced job performance, anxiety, and many more. Many people don’t know their options when they are dealing with this type of prohibited behavior from debt collectors. We recommend you keep a copy of all documents and keep track of any communication with the debt collector.

When Should I Contact a Lawyer?

The lawyers at Hodges Trial Lawyers would be happy to help represent you in the event you experience harassment from a debt collector. Contact us immediately if you or a loved one are being harassed by a collector. We have countless years of experience in insurance law and we’re here to help solve all of your insurance-related questions.