When you struggle with debt, you also struggle with debt collectors. Some may approach their collecting in a reasonable way. After all, the Fair Debt Collection Practices Act (FDCPA) prevents debt collectors from abusing their power.
Unfortunately, it still happens. And when it does, you can help yourself by knowing what signs to keep an eye out for.
Verbal harassment and threats
The Consumer Financial Protection Bureau talks about debt collector harassment and the ways it can manifest. First, it can come in the form of phone calls. Debt collectors may repeatedly abuse their ability to call your home without identifying themselves. They may leave threatening messages. In some cases, they just call without saying anything or leaving any messages behind. They may call at all hours, too.
Next, it can take the form of how they address you. Debt collectors are not allowed to use obscenities, say profane things or threaten you in any way. This includes threats of harm or violence. It also includes false threats about getting you arrested.
Misrepresentations
Related, they cannot misrepresent themselves in any way. This means they cannot pretend to be an attorney if they are not. They cannot lie about the amount you owe. They cannot threaten to do anything they have no power to carry out. Likewise, they cannot make threats they have no intention of carrying out. In particular, this often applies to threats of legal action.
If you face these issues, consider contacting an experienced attorney. They can help you navigate the situation by providing you with understanding of FDCPA and debt collector practices.
