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What is creditor harassment?

On Behalf of | Dec 22, 2022 | Fair Debt Collections Practices Act (FDCPA)

When it comes to debt collection, creditors can pursue individuals to recoup money owed. However, there are certain laws in place that dictate the types of practices creditors can use.

Accordingly, the Fair Debt Collection Practices Act prohibits creditors from harassing individuals by banning certain practices. Should you experience the following, you must take certain actions to prevent further harassment.

Lack of information

Debt collection agencies have an obligation to identify themselves when contacting people with outstanding debt. This typically includes the name of the company they work for, their name, and other essential information. You have a right to this information upon receiving a debt collection call, and creditors cannot refuse to provide information regarding themselves or their employer.

Misrepresentation of debt

Creditors must be forthcoming when providing information about themselves and how much money you owe them. Accordingly, they cannot use lies or misinformation in an attempt to trick the person they are speaking with. For instance, they cannot make legal threats against you regarding jail time or other punishments. They also cannot state they are an attorney when that is not true.

Intentionally annoying behaviors

Debt collectors can contact people using numerous methods, including phone, text, and email. When it comes to phone calls, repeated attempts to speak with you can easily veer into the territory of harassment. For example, some creditors use repeated phone calls to intentionally annoy the recipient and goad them into providing the money owed. This practice is not legal and can land a debt collector in hot water.

It is important to keep track of all interactions with creditors if you experience harassing behaviors. This information is often crucial when filing complaints against the company or pursuing legal action.