While creditors are within their rights to make a good effort at retrieving what’s owed to them, there are laws they must adhere to while doing it. No one is expected to be subject to harassment, lies, and other underhanded tactics over the matter of owed money. If an agency (whether it is the original company you borrowed from or a secondhand agency) is crossing the legal line, you have every right to put a stop to it, says Thomas James who runs a debt helpline. You may be able to do this on your own, or you may need to consult with a debt collection lawyer. If he’s worth the money, he will be able to stop the problem.
While it may seem like it, the law does not consider calling a customer every night as crossing the harassment line. If you want to put a stop to all calls from your creditors, you’re going to have to find a way to pay them back. If necessary, this may mean filing for bankruptcy, an action which can put a quick stop to the calls. But creditors can’t go far beyond that line, regardless. A debt collection lawyer can stop them if they are threatening violence, publicly publishing your name as someone who won’t pay, or even using profanity.
There are strict rules when it comes to these agencies misrepresenting themselves. Some tactics that have been used and outlawed include falsely claiming that they are lawyers or working for the government, making claims that you have broken the law, or misrepresenting how much you owe them. Pay close attention to anything these representatives say to you. If they cross the line and begin telling lies as an attempt to get you to pay, it may be time to get a debt collection lawyer involved.
Unless actual legal action has been taken towards such an end, creditors are not allowed to just throw around legal threats to their delinquent customers. This includes threatening you with arrest, making wild threats about their right to garnish your wages or seize your property, or false claims of their intention to take you to court. This is a good time to contact a debt collection lawyer, regardless of whether or not you believe them. If they are lying, they need to be stopped. If they aren’t, you are going to need representation.
This covers only a portion of what creditors cannot do while trying to recover their money. It is not comprehensive so if there is something else happening that you don’t appreciate, consider talking to a debt collection lawyer to see where you stand.