Debt Collection Abuse

Debt Collection Abuse

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.