Creditors and debt collectors can be very intimidating and insensitive.

While some communication is acceptable, a debt collector cannot harass you, misrepresent information, or use illegal collection schemes. The following are instances where the collection activity has crossed the line to harassment:

• Calling repeatedly an unreasonable amount of times.
• Calling your neighbors or relatives.
• Calling your work.
• Using obscene or profane language.
• Threaten you or anyone with physical violence.

The Fair Debt Collection Practices Act (FDCPA) and the Texas Debt Collection Act (TDCA) protect you from debt collector harassment. A debt collector may be violating your rights by doing any of the following:

• Not stating the true amount owed.
• Stating the person is an attorney if they are not.
• Threatening to put you in jail or arrest you for a debt.
• Threatening other things that cannot be legally done

Be sure to keep copies of all the letters you get from the debt collectors and a systematic record of the calls.

If you are being harassed by a debt collector, contact an attorney as soon as possible.