There are laws in place protecting you from harassment, threats and abuse from debt collectors. These laws recognize that people deserve protection from this type of deplorable behavior, even if someone is in fact behind on repaying a debt. Many people face difficulties making ends meet, and sometimes the results are delinquent payments. But that doesn’t mean that person deserves this type of unacceptable treatment.
Debt collectors get paid by the original creditor to collect payment for debts, and they are then paid a percentage. Other debt collectors buy the entire debt (often for as little as 4 cents on the dollar) from the original creditor, and then attempt to recover the payment for themselves.
Here’s the key: These debt collection agencies (or individuals acting as an independent collector) are barred by law from certain behavior as they try to collect on the delinquent debt. Such behaviors often include:
- Calling you too early in the morning or too late at night
- Calling your friends, relatives or colleagues and discussing the debt with them
- Making threats
- Pretending to be a police officer or government official
- Using insulting, racist or otherwise abusive language directed at you
- Calling you more times than they are allowed per day or week
- Calling you at your workplace when you have requested them to stop doing so
If you are experiencing any of these things or any other debt collector behavior you feel is intimidating, threatening or abusive, contact Long & Long today at 251-432-2277 or fill out our free case evaluation form.