Debt Collection Harassment

To harass means to (a) exhaust or fatigue, (b) annoy persistently, (c) create an unpleasant or hostile situation. Harassment means (a) the act of disturbing, pestering, or troubling repeatedly, (b) persecution.

If you are behind on your bills, you will be contacted by your creditors. At some point, a creditor will turn your account over to a debt collection agency or a debt collection attorney. The action of debt collection is not in and of itself harassment, however, debt collectors often utilized harassing or oppressive means to extract payment. While it is lawful to try and collect a debt, debt collectors and attorneys must follow the law while attempting to do so.

Harassment in debt collection is prohibited under the federal Fair Debt Collection Practices Act, and it is the mission of Rapa Law Office its debt collection harassment attorney to provide debt collection harassment relief. A debt collector may not use any language, communication, or conduct to harass, oppress, or abuse any person. They may not:

  • Use threats of violence or harm to the person, property, or reputation.
  • Advertise your debt or publish a list of consumers who refuse or otherwise do not pay their debts, except to a credit reporting agency.
  • Use profane or obscene language.
  • Inform your employer or others of your debts.
  • Call someone without identifying themselves.
  • Repeatedly use the telephone to annoy or harass someone or ring the phone constantly.
  • Contact you directly when you are represented by an attorney.
  • Contact you after you have sent a written request to the debt collector demanding that they cease communications. They may send a final communication advising you of their intended future action against you.

You have the right to debt collection harassment relief. Debt collection harassment relief can be obtained by suing a collector for violations of the federal Fair Debt Collection Practices Act. A lawsuit filed for violations of the Fair Debt Collections act will not only provide you with debt collection harassment relief , but you could also be entitled up to $1,000 just because a violation took place. In addition, the act provides for recovery of actual damages (out-of-pocket expenses) and your attorney's fees and costs. If you are the victim of debt collection abuse and are seeking debt collection harassment relief we can represent you on a contingency fee basis. If we are successful our fees are paid by the debt collector. Let one of our fierce debt collection harassment attorneys assist you.

If you're interested in finding more about Rapa Law Office, and Debt Collection Harassment relief, please contact us at info@rapalegal.com or call us at 610.377.7730.