Debt Collector Harrassment- Credit Attorneys Can Help
It’s easy to be fooled by what is right and wrong when your mind is filled with everything that you have done wrong. When you are living the glamorous life going on shopping sprees every weekend, out to lunch with your co-workers every work day, and happy hour 23 times a week you don’t think about what life will be like when you get laid off or when you go through a break up or divorce. You definitely don’t start preparing a plan of attack for when you can’t pay your bills and you start getting THE CALLS. You know which calls I am talking about.
Life doesn’t seem so glamorous when bill collectors call you more often than your friends call you to go out to eat. It doesn’t feel good, it doesn’t sound good when you hear the phone ring and it doesn’t look good when you are at home watching your glamorous life, 60” TV and the caller ID covers the TV screen letting you and all of your guests know that a collection company is calling YOU!
So, when the calls start coming in and you are really thrown off guard you probably only think about what got you to the point of getting such calls at home and at work. You probably don’t think about looking up what rights you have and you sure didn’t take the time to learn about it when you were at happy hour 23 times a week with your friends.
From an article by Lisa Lake, Consumer Education Specialist, FTC Here are a few things that the debt collectors CANNOT DO:
● call you before 8 a.m. or after 9 p.m.
● contact you at work if you’ve told them verbally or in writing that your employer doesn’t allow you to get such calls in the workplace
● contact a third party about you for any reason other than getting your contact information; simply put, they may not tell anyone that you owe money
● harass or abuse you or anyone else they contact about you
● lie about the amount you owe
● use deceptive methods to collect a debt from you.
For example, they may not:
○ falsely claim to be law enforcement officers
○ claim that you’ll be arrested if you don’t pay your debt
○ threaten to seize, garnish, attach, or sell your property or your wages —unless they are permitted by law to do it and intend to do so
○ give false credit information about you to anyone, including a credit reporting company
○ use a fake company name
If you have had problems with debt collector harassment or a collector violating the previously mentioned items, please call us or schedule a FREE CONSULTATION. Our partnership with a trustworthy credit attorney can assist you in defending yourself from these practices.
For more information contact us today:
Austin office (512) 827-9969
Toll free (888) 900-5138