Creditors Can Not Legally Harrass You.
& If They Are, You May Be Able To Sue Them If They Are Violating Federal Law.
The Law Says That It’s NOT Okay For Your Creditors, Collection Agencies Or Even Attorneys To Harrass You.
Have you been receiving phone calls while at work, or during inconvenient times including early in the morning, or after 9pm? If you answered yes, you may be able to sue your creditors, collection agencies or other entities (including law firms) for violating the law.
Steps You Should Take If You Believe You’re Being Harrassed By Creditors.
Start Documenting & Recording Calls.
When receiving calls from creditors, it’s important to document call times and use a phone app, like Call Recorder, to record the conversations. What debt collectors say can often be used against them, and these calls frequently reveal violations of FCRA and FDCPA regulations.
Create A File For Correspondence
Keep all written documentation from creditors, including the envelope it arrived in, in a file folder. Debt collectors must follow specific rules under the Fair Debt Collection Practices Act, and violations can often be found in both the letters and their envelopes.
Get A Review Of Your Credit Reports & Files.
Get Connected To An Attorney That Can Help.
After gathering call recordings, letters, and your three bureau credit reports, have them reviewed by a Fair Debt Collection Practices specialist to determine if you have a case.
Consulting a professional first can help you determine if you have a case and they can recommend an attorney to assist with crafting a lawsuit if needed. They can also handle correction or dispute requests that may uncover additional violations. As more consumers become aware of their rights, it’s increasingly common to find violations by third-party collectors, creditors, and even credit bureaus..