No one likes to be harassed by creditors. Whether it is the call that interrupts your family’s mealtime, or the tone of the callers themselves, it often seems as if their tactics are specifically designed to be disrespectful and confrontational. Short of taking legal action to prohibit credit collection calls, consumers often feel helpless to do anything other than block unknown numbers or put up with the abuse. The following are rules and guidelines that credit collection agencies are required to follow, as well as some tips to help prepare you the next time you get this type of call.
The Consumer Financial Protection Bureau is the government agency established to prevent unfair practices and to make consumers aware of policies designed to protect their rights and interests. Under the Fair Debt Collection Practices Act (FDCPA), credit companies and debt collection agencies are prohibited from practices designed to intimidate or mislead consumers. The following are just some of the unfair practices that are restricted:
Victims of debt collection agencies who engage in the above type of practices may be entitled to file a lawsuit seeking attorney’s fees and other types of compensation.
In addition to being aware of the types of practices, credit collection companies are prohibited from engaging in, there are steps you can take to deal more effectively with their calls.
If you or someone you love is being harassed by a credit collection agency, contact a bankruptcy attorney today. At The Bankruptcy Law Center, we can help protect your rights when you are being harassed by creditors. Call or contact our office online to see how we can help you.
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