What Counts as Debt Harassment?
As a debtor, you have certain rights when it comes to dealing with your debt and the collectors who want you to pay. Unfortunately, creditors won’t always respect those rights.
When it seems like they’re going too far, it’s important to know what counts as debt harassment so you’ll know whether you’re able to take legal action. Fortunately, the attorneys at Rowdy G. Williams Law Firm know what counts. And we know what steps you can take to stop the calls and threats and get your debt under control.
Your Rights Against Debt Harassment
The law does afford some protections against debt harassment so you and your family don’t have to suffer at the hands of the debt collectors. When you’re dealing with regular calls, especially if those calls are coming from multiple collectors, it can feel overwhelming, and you may be unsure of whether it counts as debt harassment.
The Fair Debt Collection Practices Act lays out a few specific guidelines for what debt collectors are not allowed to do. All bullying tactics are illegal, and speaking to an attorney can help stop them. If you’re unsure of whether you’re dealing with debt harassment, look for these red flags:
- Lying about how much you owe and what they can do
- Threatening you or your family
- Calling your workplace
- Calling at especially inconvenient hours (late at night)
- Threatening to have you arrested for your debt
How to Stop Debt Harassment
If you believe debt collectors are harassing you, you can take legal action. Debt harassment is harmful and illegal, and it should be stopped as quickly as possible.
If you’re being harassed by debt collectors, working with a lawyer can help you stop the calls and threats. When debt collectors fail to follow the laws that govern them, they’re liable for their actions, and you can take legal action.
Bringing this to the attention of the courts can get you damages, but more importantly, it can also give you the peace of mind that these anti-harassment rules will be enforced, protecting you from further harassment.
Our Firm Can Help
Debt collectors might take every opportunity to harass you, but when you know what counts as debt harassment, you can prepare to handle their threats and harassing phone calls. While you may owe them money, they cannot violate your rights.
Stopping them, however, may require legal action. A lawyer can help you get the debt collectors off your back and guide you toward a debt-free life. At Rowdy G. Williams Law Firm, we want to help. If you’re struggling with debt collectors, don’t hesitate to call us at 1-812-232-7400 or fill out our online contact form below.