Creditors Calling? Put an End to Harassing Phone Calls
You’re not alone if you’re drowning in debt and getting continuous calls from creditors. Every day, thousands of Americans get harassing debt collection calls, which often cause stress, anxiety, and even legal concerns. Fortunately, the law protects you, and you can take action to stop these harassing calls. This article will help you understand your legal rights, how to deal with debt collectors, and how to permanently stop unwanted phone calls.
The FDCPA & Your Rights
Many states have their own debt collection laws, but federal laws also protect citizens from debt collector harassment. The Fair Debt Collection Practices Act (FDCPA) is a federal statute that protects customers from unfair debt collection tactics. Knowing your rights allows you to take action against harassing creditors.
What Debt Collectors Cannot Do:
- Call you before 8:00 a.m. or after 9:00 p.m. unless you consent.
- Contact you at work if they learn that your employer disapproves.
- Use threatening, obscene, or profane language.
- Report to the credit reporting company without informing you first
- Misrepresent oneself or fraudulently assert legal action against you.
- Contact third parties about your debt (except for limited inquiries about your whereabouts).
