People in Treasure Coast who are struggling to pay their bills on time are already stressed out about their financial situations. But when creditors resort to using deceptive tactics to collect delinquent payments, they are breaking the law. These tactics are done to intimidate and coerce people into paying their debts even when they do not have the means to do so. The Fair Debt Collection Practices Act (FDCPA) offers debtors protection from creditor harassment. People who want to put an end to creditor harassment should make themselves aware of the harassing ways used to collect payment.
Persistent phone calls
Some creditors and collection agencies resort to contacting debtors outside normal business hours. By law, creditors can only call people they are attempting to collect from between the hours of 8 a.m. and 9 p.m. They may call in the middle of the night, during the early hours of the morning and on holidays and times when it is inconvenient for debtors. Many debt collectors use automated dialers to constantly call and harass people who owe them because they believe harassing and annoying them will force them to pay.
People who have a lot of debt and are unable to pay their bills are often intimidated by their situation. This can make them easy targets for collection agents and creditors who use threats of harm, jail time and violence against them. Some debtors feel so threatened from their communications with their creditors that they take out loans that they cannot pay back to pay those creditors, leading to more debts and stress.
Not identifying themselves
Anyone who is calling to collect debts must identify him or herself and the organization he or she works for before discussing any debt-related information. Many debt collectors do not identify themselves and may give fake information to prevent debtors from ignoring their calls and hanging up on them. Debtors have a right to know who is calling them, the organization the caller represents and the debts the caller is attempting to collect on.
Contacting family and friends
It is common practice for creditors and debt collectors to contact family and friends when they are looking for up-to-date information about their debtors. But, they are not allowed to discuss account information with them. Debtors can make a written request for their creditors to stop contacting their friends and family members. Collection agencies are accountable if they fail to comply with those requests.
Creditor harassment can make an already stressful situation much harder to deal with. People who feel their creditors are overstepping their bounds and harassing them should speak to an attorney about their situations to learn more about their options.