When Florida residents fall into debt, debt collectors may contact them. Sometimes, the behavior of these collectors can become imposing or even threatening. There are cases in which debt collectors may harass the people they are trying to collect from. Is this happening to you?
The Consumer Financial Protection Bureau defines harassment by debt collectors. Harassment can come in many different forms. Some are easier to identify than others. For example, if a creditor threatens you or curses you out, this is an obvious form of harassment. Intimidation tactics are also common. If they visit your house in person without warning, this is harassment. Other examples include:
- Repetitive phone calls designed to annoy the recipient
- Calling without identifying themselves
- Publishing a list with your name on it in an attempt to shame you
- Misrepresenting facts in an attempt to seem scarier
The FDCPA bans false or misleading practices. This includes lying about how much you owe or if they have gotten attorneys involved. Threats involving arrest or actions that they cannot take are also disallowed.
If you have filed for bankruptcy, debt collectors must stop communicating with you. They cannot contact you in any way. If they continue to try, this is creditor harassment.
For the most part, debt collectors remain courteous and obey the law. Unfortunately, there are still some who would put debtors into uncomfortable positions. They would do crude and intimidating things in an attempt to get their money back. Know how the law handles debt collection. Understand what constitutes harassment. It can help you avoid these issues.