Have you been harassed and threatened by your creditor? Are you overwhelmed with the constant voice call and derogatory code of conduct creditors are practicing with you? It is high time you seek the help of a seasoned Debt Harassment Lawyer. These degrading calls and harassment add to your financial burden and promote stress. Therefore, to ensure that you are not harassed while managing to pay off the debt, you should seek the assistance of a lawyer right now!!

How do creditors harass?

Generally, most creditors follow the rules and practice caution while giving the loan, but some fail to comply with the Fair Debt Collection Practices Act. Such creditors harass debtors, use foul language, and indulge in violent behaviors, which the FDCPA prohibits. So, you must contact a reasonable attorney if you have been facing such a situation.

The mischievous behaviors creditors follow are;

• Using obscene language and threats
• Resort to violence
• Unstoppable calls and messaging any time of the day
• Placing unknown phone calls without getting identified
• Contacting your contacts and employers
• Threatening to get you imprisoned
• Claiming more money than actual money indebted to
• Charging unauthorized money, fees, and interest
• Hiring a third party to get money out of you
• Deposits debtor’s post-dated check early

These are a few illegal activities and behaviors which affect debtors and make them feel violated. But fortunately, there is an FDCPA that protects debtors against any such harassment and safe-keep their borrowing rights. The Your Legal Rights Advocates know debtors’ rights and work in the direction to perpetuate any legal action against the abusive collector.

The execution of debt collection

A creditor is liable to collect the debt given to a debtor but only abides by laws. The debt collector should not violate the Fair Debt Collection Practices Act (FDCPA), which conserves consumer rights.

The entire process involves three units, Consumer, Debt Collector, and Debt. Let’s understand each unit individually.

Consumer: The person who owes some amount of debt. Often people are falsely projected as a debtor when they are not.

Debt Collector: Anyone entitled to collect the defaulted debts owned by others. A debt collector is originally not the same person to whom the debtor owes money.

Debt: The amount that is owed by the debtor borrowed for reasons including education, family expenses, etc. Please note that FDCPA does not cover business loans.

How does the debt collection begin?

The process begins with debt collection agents or collectors contacting debtors on phone calls and trying to turn in the money. Often debtors don’t identify or act as if they don’t identify the debt. The next step in the process is mailing letters to your address to validate the debt. You can dispute the debt or ask for verification within 30 days.

On the contrary, some debt collectors choose to file lawsuits against debtors to make the court order the debtors to pay. Here you can also raise your claim against the collector and make use of a reliable and seasoned attorney to help you in between.

But ideally, some debt collectors choose the other way round and harass the debtor, which is beyond the threshold level. The harassment may lead the debtor to declare bankruptcies, create problems in marital and professional life, and affect privacy.

In this scenario, debtors should only seek the help and guidance of a Creditor Harassment Lawyer and protect their rights governed by Fair Debt Collection Practices Act (FDCPA).

How to stop creditor harassment?

In case you have been bombarded with constant phone calls and messages for debt collection, and you have nearly lost your peace as a debtor, here are a few steps to stop the harassment.

• Write a letter to cease the communication and report the act of harassment to the Federal Trade Commission (FTC).
• Document the act of harassment and record all the contact involved in it.
• File a complaint against harassment to your state agency and let them deal with harassers.
• File a lawsuit against the debt collection agency with the help of a Debt Harassment Lawyer.

If you have been suffering for a long time, contact Your Legal Rights Advocates.