There are laws that govern what debt collection agencies can and cannot do in their attempts to collect debt from you. If a debt collection agency violates one of these rules -- especially if it violates it repeatedly -- borrowers may be able to pursue legal claims against the agency. Here is a list of the actions that a debt collection company is prohibited from doing:
- Debt collectors cannot continue calling you when you ask them to stop. If you would like them to stop contacting you, you must send them a written letter. In the letter, you should refuse to pay back the debt and ask for the debt collector to stop contacting you. The debt collector must comply.
- Debt collectors cannot repeatedly call you. When calls happen over and over again, they constitute illegal harassment. Debt collectors are not permitted to do this.
- Debt collectors cannot call you during unreasonable hours. Reasonable hours for calls are usually considered to be between 8 a.m and 9 p.m.
- Debt collectors cannot try to contact you following your bankruptcy filing. Debtors will be protected from creditor harassment via an automatic stay when they file for bankruptcy.
- Debt collectors cannot publish your name on a list of bad debtors.
- Debt collectors cannot try to call you if you're being represented by legal counsel. The collectors must deal with your lawyer rather than you.
Having a bankruptcy lawyer on your side when you're being harassed by debt collectors can be incredibly helpful. At Law Office of Ruth Nelson, we can make the creditor harassment stop. We can also help you resolve your debt by filing for bankruptcy or by pursuing another debt resolution strategy.