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What actions can creditors take against me?

If you are struggling to manage your unpaid debts, you likely feel stressed every time you open your mailbox and every time you get a call. Owing money to creditors can be a terrible feeling because you can feel tremendous guilt and anxiety, but you also probably feel powerless to do anything about it.

The good news is that there are many options available to you when it comes to properly managing your debts, from debt consolidation to filing for bankruptcy. But there may also be things that you can do to put a stop to constant contact from creditors. While it's normal to be contacted by creditors, harassing behavior is not acceptable. Creditor harassment is prohibited by law.

What are creditors permitted to do?

Creditors do have the right to make reasonable attempts to gain back the debts owed. For example, they have the right to contact the debtor in person, by mail, telephone, telegram or fax. They can also take action to pursue court-based remedies if the debt remains unpaid.

What are creditors not permitted to do?

Creditors must not contact the debtor in the antisocial hours before 8 a.m. and after 9 p.m., unless the debtor has agreed to this contact. Also, they should not make false or misleading statements or try to create fear in the debtor by making empty threats. Unfair practices such as engaging in deception to gain a payment greater than the initial debt is also not permissible.

If you believe that you have been subject to creditor harassment regarding an unpaid debt, you should make sure that you assert your rights and take the necessary action. An attorney can help.

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