Defending Against Harassment
Debt Collectors are strictly prohibited from engaging in harassing, oppressive, and abusive behavior when attempting to collect a debt. The regulations set in place to protect consumers outline several actions that debt collectors may not take, including:
- Debt collectors are prohibited from using vulgar or offensive language during their communications with you.
- They must maintain a professional and respectful tone throughout the debt collection process.
- Debt collectors cannot make incessant or continuous calls with the sole purpose of annoying or harassing you.
- Excessive and unwarranted communication can be considered a violation of your rights.
- Debt collectors are restricted from making calls before 8 a.m. or after 9 p.m. local time.
- These time restrictions ensure that debt collectors do not disrupt your personal life or invade your privacy during inconvenient hours.
- Debt collectors are not allowed to publicly shame or disclose the names of individuals who fail to pay their debts, except when reporting to a credit bureau.
- Public shaming tactics, such as disclosing personal financial information, are strictly prohibited.
- Debt collectors are not permitted to use threats of violence, physical harm, or criminal prosecution against you.
- They must refrain from making intimidating statements that imply dire consequences for non-payment.
These regulations exist to safeguard your well-being, protect your privacy, and ensure that debt collectors conduct themselves in a fair and respectful manner. If you believe a debt collector has violated any of these prohibitions, it is essential to seek legal counsel to enforce your rights and seek appropriate remedies.
Stand up against creditor harassment and protect your rights: Debt collectors are forbidden from using abusive language, making repeated annoying calls, engaging in public shaming, or issuing threats of violence or criminal prosecution.