It’s illegal for a debt collector to harass you
Whether you owe the debt or not, debt collectors are not allowed to lie to you or harass you. They can’t contact your friends or relatives about your debt or threaten you with lawsuits when none are intended. The debt collection abuse attorneys at Flitter Milz understand the laws that protect consumers from abusive collectors and will fight for you in court to put a stop to a debt collector's harassment and threatening tactics.
If you’ve ever been on the wrong end of harassing collection calls, it’s hard to forget the conversation. From making you feel bad about yourself to shaming you into paying the debt you can’t afford to pay off, abusive debt collectors will try any tactics to receive the money you owe. While most debt collectors are good about obeying laws and working with you to negotiate a payment plan that fits your budget, sometimes frustration and stress can cause communications to turn nasty or offensive. In these cases, it’s important to know your rights.
You have rights under the Fair Debt Collection Practices Act
The FDCPA protects consumers in PA and NJ from unfair debt collection practices and behaviors. Debt collectors can't threaten to take an action they don’t intend to take, and they can't contact your friends or family about your debt. You also have the right to ask that the collector calls you during certain hours of the day. The law covers personal, family and household debt, including money owed on a personal credit card account, a medical or utility bill, or a loan.
Debt collectors are also not allowed to:
- Continue to collect after you write them to stop
- Give false or misleading information about your debt
- Place private or personal account information about you on, or visible through, any envelope
- Fail to disclose that they are a debt collector or claim they work for a credit bureau
If a debt collector violates the FDCPA, you can sue and the collector will be responsible for the legal fees.
Debt collectors are required to:
- Identify themselves during every communication
- Notify the consumer that any information gained will be used in efforts to collect debt
- Give the name and address of original creditor
- Notify the consumer of their right to dispute the debt
- Provide verification of the debt
- File a lawsuit in a proper venue
There are many ways to identify harassing debt collection letters and calls, but attempting to stop abusive debt collectors on your own can be difficult, especially when your life has already been disrupted by an unfortunate life event such as, the loss of employment, a divorce, a death or an illness. If you feel the debt collector has crossed the line, our debt collection lawyers will help you take the necessary steps to stop the harassment. When a debt collector violates the FDCPA, you can sue and the collector will be responsible for the legal fees.
Before anything, be sure to make a Collection Contact Log that documents all calls and threatening behavior. Include the dates and times of the unwanted calls, the Caller ID, the name of the employee you spoke with and what they said. You may want to consider having another person present to witness the communications you receive. With this information on hand, you can then write the debt collector a letter directly requesting that they stop contacting you. This request must be in writing, and under the FDCPA, they must follow your request.
If you plan to dispute a debt, you should do so in writing. Tell the collector you don't feel that you owe it. Request written proof that the debt is yours and how they calculated the amount claimed.
Most people don’t feel confident enough to sue abusive collection agencies and law firm debt collectors. Experienced debt collection lawyers can pursue a consumer’s rights against debt collectors that have violated the FDCPA. The law helps consumers put an end to harassing debt collector calls and letters.
Flitter Milz is experienced in representing consumers against collectors
Our Philly attorneys know the FDCPA, and we pursue cases against debt collectors and collection law firms that are using illegal tactics. It’s time to stop feeling threatened and abused by collection agencies and debt collection law firms. Start taking action now.
If you’ve received collection calls or letters, contact our debt collection abuse attorneys at Flitter Milz in Philadelphia. We’ll review your collection calls and letters at no cost to you.
Review the list of collectors that we successfully pursued matters against for consumers in Pennsylvania and New Jersey, and other states nationwide.