How to Legally Stop Debt Collection Harassment

Legal Adviser January 11, 2016
0 people like this post

Debt CollectionWhen a person falls behind on debt like their credit card payments, mortgage, or auto loan, they will go through one of the most frustrating experiences imaginable: creditor harassment. Day and night, their phone will be ringing with demands for payment, making you feel like a prisoner in your own home. Sometimes it even escalates into outright intimidation and abuse.

Thankfully, stopping creditor calls in Ogden is a simple matter. While they are legally allowed to contact you for payment, there is a limit to everything. Are you being harassed? And if so, what can you do to protect yourself?

Stopping Phone Harassment

You should understand that in many cases, the company you owe debt to isn’t the one calling. They usually pass the debt on to collection agencies, which are infamous for violating laws.

Some of the legally prohibited actions they are probably committing are:

  • Contacting you too many times in a day in a deliberate attempt to annoy you
  • Threats of violence and arrest, or using obscene language
  • Not identifying themselves in the call
  • Calling at odd hours. In other words, any time not between 8 a.m. and 9 p.m.
  • Falsely claiming that they are with or have ties to law enforcement

First, have they sent the validation notice yet? If not, requesting it should be your first step. This tells you how much you owe, the identity of the original creditor, and what you should do if you wish to contest the debt’s validity.

The harassment likely won’t stop for good until you hire a lawyer and send a cease and desist letter (keep a copy for yourself). You can also refer all future calls to your attorney. If they continue to call you, it may be necessary to take legal action.

But remember, this doesn’t get rid of your debt. Make sure to consult your attorney on this. A common outcome is to negotiate with your original debtor for a reduced settlement, or even declaring bankruptcy if your debt is just too overwhelming.

Category: Byline
  • 0
  • 466