Are You Being Harassed?

Not all calls are harassment however, here is what qualifies.

  • Call you at inconvenient times/places
  • Disclose information of your debts to third parties
  • Use profane/abusive language
  • Contact you after written notification that you do not want to be contacted any further
  • Claim to be affiliated with any governmental organization
  • Misrepresent the character, amount or legal status of a debt
  • Threaten to take any action that cannot be taken legally
  • Accuse you of having committed a crime
  • Threaten to communicate false credit information
  • Attempt to collect even before your request to validate is honored
  • Use deceptive methods to collect debts
  • Call you before 8:00 a.m. or after 9:00 p.m.
  • Call you, but not announce who he/she is
  • Attempt or threaten to collect a debt that is too old to enforce under state law:
  • File any legal action and/or taking a judgment without properly serving the party being sued
  • Waiting years after an unlawful judgment has been secured to attempt further collection activities
  • Fail or refuse to identify itself as a debt collector
  • Speak to others (family, friends, and neighbors) about your debt
  • Demand unlawfully your social security number, credit or debit card, bank account or e-check authorization
  • Fail to send you written details about the debt within 5 days of the first call placed to you
  • Claim affiliation with the police, court or any other authority
  • Make any false promise to improve your credit score

The FDCPA (Fair Debt Collection Practices Act) sets forth rules that collection agencies are to follow, and most do not follow them.

This could mean money in your pocket and the only thing it will take is a little bit of your time.