Creditors and debt collectors can be very intimidating and insensitive. While some conduct is acceptable, a debt collector cannot cross the line and become harassing. 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.
There are state and federal laws that protect you from collector harassment or abuse. The Fair Debt Collection Practices Act and the Texas Debt Collection Act both state that your rights may be violated when a debt collector does 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. We can help.