Do you receive collection calls regarding credit card debt? Other debts? Such calls are almost always annoying, but when do they become creditor harassment? It seems as though more Americans are learning what it is and not taking harassment lightly.
The Federal Trade Commission (FTC) enforces the regulations governing debt collection through the federal Fair Debt Collection Practices Act (FDCPA). They have become much busier over the past two years investigating and prosecuting consumer complaints. Not only have consumers become more active in reporting their complaints, but the FTC has also increased its enforcement against companies accused of harassing consumers.
Of course, for anyone to report complaints to the FTC, they need to know when their rights are being violated. Name calling, physical threats of violence, vulgar language, and relentless phone calls are well known harassment techniques, all illegal. And there are more extreme forms of intimidation, such as calling at work, calling neighbors, family or friends, or publicizing the alleged debt. These and other strategies can be creditor harassment.
These continue to be difficult economic times, wherein consumers and businesses are struggling. It’s a sad combination that could continue to mean desperate behavior on the part of debt collectors. To have a better chance at holding pushy companies accountable for their violations, it is important to keep a record of all calls, letters, faxes, emails or any communication with notes about the content of any communication with creditors.
Do not accept abusive behavior from debt collectors. Know your rights and protect them with the help of an aggressive creditor harassment lawyer.
USA Today: “More complaints being lobbed at aggressive debt collectors,” Oren Dorell, Nov. 18, 2011