Clients often come to us exhausted from the harassment and anguish caused to them by debt collectors. The Fair Debt Collection Practices Act (FDCPA) prohibits harassment, but what really is harassment? There’s no clear answer to this question but thankfully the Consumer Financial Protection Bureau has published an article with examples of prohibited and harassing actions that debt collectors may be using.
Some examples of harassment include “(1) repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone; (2) obscene or profane language; (3) threats of violence or harm;”…and “calling you without telling you who they are.”
Read the full CFPB article here: www.consumerfinance.gov/askcfpb/336/what-constitutes-harassment-by-a-debt-collector.html
If you are experiencing any of these harassing tactics, you should contact a debt settlement attorney. We can hold debt collectors responsible for any FDCPA violations. Make the harassment stop.