No, It’s illegal for a debt collector to come to your workplace to collect payment. The act prohibits publicizing your debts, and showing up at your job to collect your debt counts.
No, you cannot be arrested for a debt owed to a debt collector.
No, Debt collectors can’t call you before 8 a.m. and after 9 p.m. You can request that a debt collector stop calling or writing in pursuit of payment on a debt.
No, a debt collector cannot call or pursue you on a debt you do not owe. This is called a wrong debtor claim and you have rights under the Fair Deb Collection Practices Act
A debt collector generally can’t discuss your debt with anyone but you or your spouse. If an attorney is representing you, the debt collector has to contact the attorney. A collector can contact other people to find out your address, your home phone number, and where you work, but usually can’t contact them more than once.
Legally, telephone harassment is considered any form of exchange carried out via telephone that is unsolicited by the receiver, threatening, and abusive to the dignity of their person. If a person or organization is calling you with the intent to intimidate, infuriate, or threaten you, they have stepped out of the confines of telephone harassment laws.
If you are being harassed with calls from a debt collection agency, the first thing to do would be to confirm the legitimacy of the establishment. Once that is done, you can proceed to confirm the legitimacy of the debt claim and the interest rate on the loan.
If the organization’s representative is rude, aggressive, or abusive, you can contact us to determine whether you have an actionable harassment case.
You do not necessarily have to receive a specified number of calls for you to have a valid harassment charge; even one or a few calls can be very intimidating. However, if a debt collection agency is incessantly calling you (especially after you have clearly expressed your wish not to be contacted again), you may have stronger proof of telephone harassment.
Aggressive or threatening text messages are also considered a form of harassment. Save evidence of any harassing text messages that you have received.
Your consumer rights are protected under Acts such as the FDCPA and TCPA. A debt collection organization is not permitted to:
- Make anonymous calls to you
- Call you at odd hours of the day
- Misinterpret the figure of your debt or interest
- Call you repeatedly, especially after you have asked them to stop.
- Threaten you with violence or jail time
- Inform a third party about your debt
The first step to proving your harassment claim is by knowing what does and what does not constitute a harassment claim within the confines of the law. Once that is established, it is wise to save any harassment calls you have received on your voicemail for future reference.
Here on telephone harassment, we provide you with free tools and resources you need to address your case. We create daily blogs to keep you informed; we host a forum to meet other people, share your experiences and get help. We also provide a free reverse phone number lookup. We also review your case and provide you with pre-qualified legal representation, all for free.
If you have a legitimate claim of telephone harassment, we will connect you to a pre-qualified lawyer who will send a cease & desist letter, together with a demand letter to the debt collection organization. This will stop all calls from them to you.
First of all, contact us to know if you have a valid case of telephone harassment against a debt collection agency. If you do, we will take the case up from there.
Many harassment disputes are settled by a mutual agreement between the parties involved. Not every case goes to trial.
The best part about working with the lawyers provided by Telephone Harassment and Consumer Rights Law firm is that it is absolutely FREE! We demand nothing from you, as our legal fees will be settled by the debt collection organization charged with telephone harassment.
If you wish to make further inquiries or report a case, you can contact us on 844-791-1990