Debt Collector Harassment & Fair Debt Collection Practices

The Fair Debt Collection Practices governs how debt collectors can behave when trying to collect a debt. In general, a debt collector cannot engage in harassment or excessive conduct in order to collect a debt.

Debt collectors are not allowed to harass you. For example, they can’t:

• threaten you with violence or harm
• use obscene or profane language
• repeatedly use the phone to annoy you

Debt collectors can’t lie. For example, they can’t:

• misrepresent the amount you owe
• lie about being attorneys or government representatives
• falsely claim you’ll be arrested, or claim legal action will be taken against you if it’s not true

Debt collectors can’t engage in unfair practices. For example, they can’t:

• try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or your state law allows it
• deposit a post-dated check early
• take or threaten to take your property unless it can be done legally

You Can Take Legal Action if a Debt Collector is Harassing You

Individuals who have been harassed or intimidated can be compensated if a debt collector broke the law. Often a debt collector or collection agency has harassed many others in the same way.

Liddle & Dubin, PC's consumer protection attorneys are here to investigate unfair debt collection practices and hold collection agencies accountable to the full extent of the law. For over 20 years we have protected our clients' rights against unlawful practices. We have represented tens of thousands of individuals throughout the United States and have successfully recovered more than one hundred million dollars on behalf of our clients.

If you believe that you have been a victim of unfair debt collection practices, please contact us.

Call (800) 536-0045 or complete the following form to schedule your free consultation today.