Dealing with heavy debts can be overwhelming, and the tactics used by some creditors and debt collection agencies only add to the stress. What these unscrupulous companies do not want you to know is that there are legal limits to what they can do to get you to pay. Crossing these lines is harassment that you do not have to put up with.
Common examples of debt collector harassment
The Fair Debt Collection Practices Act (FDCPA) classifies several debt collection tactics as illegal harassment. These include:
- Repeated phone calls or emails intended to annoy or abuse
- Use of obscene or offensive language
- Threats of violence or harm to the debtor or their family
- Publicizing names of individuals who haven’t paid their debts, except when reporting to credit agencies
- Calling without identifying themselves
- Calling during inappropriate hours, specifically before 8 a.m. or after 9 p.m.
- Ignoring a cease communication request sent in writing
- Direct contact after you have hired a bankruptcy attorney to represent you
Recognizing these actions as harassment is the first step in taking control of your situation and seeking help.
The relief that bankruptcy offers
Among other advantages, filing for Chapter 7 or Chapter 13 bankruptcy gives you a respite from debt collector harassment. As soon as you file, the bankruptcy court puts an automatic stay on all debt collection activities. This not only stops harassing phone calls and letters but also gives you and your attorney time and mental energy to work toward financial recovery.
Find out what consumer bankruptcy can do for you
Bankruptcy might seem like a big step, but it can offer a fresh start and the chance to rebuild your financial stability without the constant anxiety of debt collection efforts. Understanding your rights and the protections available can help ease the burden of debt and open up options for managing your financial future.