Dealing with harassment from debt collectors can have a negative impact on your life. When you’re ready to regain control, reach out to an experienced debt harassment attorney in Vigo County today.
When someone owes a debt, a debt collector is often employed to settle the amount owed. Debt collectors often go to great lengths to obtain this repayment, and not all of these strategies are reasonable or fair to you. The Fair Debt Collection Practices Act (FDCPA) was designed with consumer fairness in mind. The FDCPA enables debtors to bring a civil claim against the debt collector in question.
No one should ever be harassed or threatened over money. At Rowdy G. Williams Law Firm, we understand that everyone makes mistakes and can find themselves financially overwhelmed, sometimes to the point of bankruptcy. But, that doesn’t mean you should be hounded.
Work with a Vigo County debt harassment lawyer to help put a stop to the harassment you’ve endured and work to clear your name financially.
What Constitutes Harassment?
When you receive a call from a number you don’t recognize, and you know that you have outstanding collection balances, you are likely nervous to pick up the phone. You might even avoid answering altogether if you think a debt collector is on the line.
Debt collectors have a reputation for being overly aggressive to the point of harassment while attempting to collect a debt. This behavior is unacceptable and should be stopped immediately. But what exactly counts as harassment? Ultimately, any action that interferes with your life in any way can be grounds for harassment. Examples include one or more of the following:
- Screaming or yelling
- Publishing your name as a debtor
- Repeat phone calls
- Threats of harm or violence
- Refusal to disclose debt collector identity
- Continued contact after you’ve informed them that you’re working with an attorney
- Calling members of your family about your debts
- Continued contact after you’ve stated that you have no intention of repaying the debt
The FDCPA does not allow debt collectors to make threats against you, misrepresent their identity, lie to you about your debt amounts, threaten to have you arrested, or threaten to garnish your wages unless they are legally able to do so.
When a debt collector violates the FDCPA, you are entitled to file a civil claim against the debt collector who has been harassing you.
Your Legal Rights Against Debt Harassment
Bringing a civil claim against a debt collector is your right per the FDCPA regulations. You could seek compensation for lost wages, attorney fees, mental anguish and even statutory damages not to exceed $1,000. Debtors even use the threat of legal action against the debt collector as leverage to decrease the repayment amount.
If you’ve been harassed, you might be able to negotiate your debt by notifying the debt collector that they are in violation of the FDCPA. Your lawyer will be able to determine whether this is a viable option in your case, or if it would be in your best interest to move forward with a civil claim.
Reach Out to a Vigo County Debt Harassment Attorney
When you’re dealing with harassment by a debt collector and aren’t sure what to do next, speak with a qualified Vigo County debt harassment lawyer at Rowdy G. Williams Law Firm. Our firm will do whatever it takes to put an end to the harassment and secure the compensation you’re entitled to.
To schedule your initial claim review, simply call our office at 1-812-232-7400 or complete the brief contact form included below.