When dealing with debt collectors, they have to abide by the Fair Debt Collection Practices Act (FDCPA), which limits a number of the actions they can take.
To that end, it is important to understand what these actions look like and how to defend against them.
The Federal Trade Commission discusses misrepresentation by debt collectors in accordance with the FDCPA. This is one of the ways that debt collectors may try to prompt someone into acting.
Misrepresentation can include having a member of the debt collection agency play pretend as a police officer or an attorney. They will then attempt to intimidate the person they want to collect from, stating that they will have said person arrested or evicted from their home.
Of course, these threats have no actual weight behind them because the people making the threats have no legal power. Unfortunately, their targeted victim may not know that.
Harassment and abuse
Then, there are harassing behaviors. These behaviors are often more aggressive and overt than misrepresentation.
For example, debt collectors may call a house at all hours of the day and night, many times over. They may not leave any identifying messages and could simply want to intimidate or irritate the people living in the house.
They may also threaten or actually carry out bodily harm against their target. Of course, not only is this illegal for debt collectors, but it could count as assault or other related charges.
When facing debt collectors breaking the law, a victim has numerous possible actions they can take which will allow them to recoup their damages.