You know you are responsible when you don’t pay your bills on time you and know the consequences. Basically, almost all creditors will put you into “collections” when you continuously fail to pay your bill. Many times, a third-party will purchase the bad debt (these are the debt collection companies) from the original creditor and it is their sole mission to collect outstanding debt. This means letters and unfortunately in most cases, a lot of phone calls.
But is there a point when these phone calls become harassment? The answer is simply YES. The Fair Debt Collection Practices Act (FDCPA) details how debt collectors can and cannot collect debt. In other words, the ACT helps protect consumers like you, from abusive debt collection practices.
Did you know that it is a violation of the FDCPA when collectors call you repeatedly or continuously with the intent to annoy, abuse or harass you? Did you know that debt collectors cannot contact anybody besides you (unless you gave them permission) regarding your debt? Debt collectors are also prohibited from contacting you before 8 am or after 9 pm your time. Did you know that it’s also a violation of the FDCPA to verbally threaten you or even call you names? You would be surprised at the lengths some collectors go to in order to collect on a debt.
Maybe you have filed for bankruptcy thinking the calls would stop. Actually, the “automatic stay” rule does prohibit collector contact after filing of bankruptcy but if you noticed the calls continuing, you may have a collection abuse case against them.
The above examples are just a small handful of the many violations as outlined in the FDCPA. You are protected against these this type of abusive debt collector behavior. If you feel you have been harassed by a debt collector, contact our Orange County FDCPA attorneys to see if you are entitled to monetary damages. The statute of limitations only allows you up until one year from the incident to file suit, so contact our law firm immediately for your free consultation: 949-200-8755.