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:
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:
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.