No matter how much you owe, harassment from debt collectors is completely illegal.
Debt Collection Harassment Lawsuit
If your debtors have resorted to harassment as a collection method, you should be aware of the fact that doing so is completely illegal; you have some rights as a borrower. Anyone harassed by a debt collecting agency or on the behalf of their debtor has the right to claim compensation for the harassment they have been subjected to without any provocation. The Fair Debt Collection Practices Act has been signed to ensure that no borrowers can be treated in an unethical or misleading way by the debtor.
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Which Actions Are Regarded as Harassment
Before you decide on taking any legal action against your debtor, the first thing you need to determine is what accounts as harassment in the first place. Here are some actions that can be characterized as harassment by debtors:
- If they engage in abusive or oppressive behavior or start using obscene language, this can include using profanities, racial remarks or personal insults
- If they continue to make repeated phone calls after you have told them not to do so, especially at extremely unreasonable timings such as before you wake up or after you have lie down for sleep
- If they keep contacting you personally when you already have an attorney to represent you regarding your debt
- If they contact you at work when you have clearly specified that you are not allowed to take calls during work hours
- Contacting your friends, family members, employers, and colleagues to discuss details regarding your debt with them
- If the debtor outright uses threatening language with you like telling you that they would repossess your property, hand your account to an attorney or have your credit rating harmed
- If they manipulate information on your credit score or threaten to do so in order to harm your credit rating
- If they threaten you with violence or actually involve in some violent acts around you in order to intimidate you
These are just some examples; there are a number of other things and actions that are regarded as harassment by debtors against the borrowers. Your debtor, in no way, can push you towards doing something that you do not want to do. If you feel like you are being pressurized by your debtor, that is certainly a sign of harassment.
What to Do If You Are Being Harassed
Under the FDCPA lawsuit guidelines, there are several actions you can take to protect yourself against harassment by debtors. Most importantly, you can file a harassment lawsuit against your debtors, which will result in reduced or eliminated debt, clearance of your credit reports if there are negative ratings, compensation payment made by debtor, and your debtor paying for your attorney fee. So if you are being harassed by your debtor for debt collection, ensure your protection by taking the appropriate legal action right away.