Creditor Harassment Laws
When creditor harasses a person in the name of debt collection, one should not stay quiet and listen to all that they say or do. There are laws which prohibit debt collectors from doing so and they are required to adhere to certain guidelines that are clearly stated in the Federal Fair Debt Collection Practices Act.
Debt collectors are prohibited from giving recurrent telephone calls to irritate, mistreat or harass the debtors. Also, when the debtor is working and when he is not allowed by the employer to attend to calls, creditors cannot call the debtor at that particular time. A creditor is also not authorized to contact directly the debtor’s friends, family members and employers in spite of having contact details. This also includes frequent calls to these people. Making any telephone call before 8 in the morning and after 9 at night is strictly prohibited. Creating inaccurate and confusing statements, or falsifying the amount of the credit they owe is also not allowed.
These guidelines also state that creditors cannot threaten the debtors with legal actions or criminal prosecutions. Debtors should not also allow the creditors to take their personal information for some other source such as their Social Security number or any other income that is not revealed. Creditors can never threat by stating that the debtor’s property or household items will be seized. Acting to be an attorney or representative of a credit reporting agency is strictly prohibited. Collecting interest, fees or charges that are not authorized is also not allowed. Publishing the customer’s name in the bad debtor’s list is also not authorized by any creditor.
These are the creditor harassment laws that you should be aware of in case you are in debt and debt collectors are making your life miserable.
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