At one time or another in our lives, we might have taken out a loan or a debt. The factors that prompt us to repay it vary from protecting our integrity, avoiding a bad a credit report, but probably most importantly, it is the fear of harassment from the creditor.
Many times when a debt does not get paid on time the creditor company will have a department responsible for collecting that debt. Or they will pass it on to a third party for collection. The debt collector approaches the debtor to collect the dues. These tactics can often move beyond the realm of the acceptable into the realm of the illegal.
Harassment of creditors is expressly banned under the Federal Fair Debt Collection Practices Act. But, still there are some debt collectors who continue to use harassment for collection. They do it with the full knowledge that many victims are unaware of this law.
Unscrupulous debt collectors play on the good conscience of people who owe money. The vast majority of people want to repay their debts. Bill collectors, however, have a job to do. They don’t really care about retaining good relations with past customers who have gone delinquent. They are usually third parties who have only one objective: to get the money you owe, and they can be quite ruthless in their attempts to get it.
There are many methods of harassment, but under the law there are certain prohibited tactics that cannot be used for the collection of debts. One technique that is not allowed is the use of abusive language. Another is contacting third parties in an attempt to collect from you.
Learn more about the Fair Debt Collection Practices Act – FDCPA – and how it protects you from debt harassment. Visit FairDebtHelpers.com for a free evaluation of your case by an experienced fair debt attorney.
Telephone calls can only be made between eight in the morning and nine at night. Calling your employer is also not allowed if you specifically tell them not to. If the debtor is represented by an attorney, demands for payment must be made to the attorney.
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