It is reasonable to expect that creditors will pursue you when you have not paid your bills. However, some attempts to contact you may seem out of line. If you think that collection attempts have become harassing, you may very well be right.
The Fair Debt Collection Practices Act regulates how creditors may get in touch with you. The purpose of the FDCPA is to prevent creditors from harassing or threatening people. Here are some things that you should know about the rules governing collections activities and your rights.
Collections agents cannot call you at all hours
In general, creditors may not call you before 8:00 am and after 9:00 pm unless you direct them to. If you have asked a creditor to stop calling you during restricted hours but the calls continue, you may want to consider getting help to stop the harassment.
Creditors cannot threaten you
When someone threatens your safety or confidentiality, it is a violation of the FDCPA. Likewise, foul language or insults in conversations or voicemails are impermissible.
Collections agents cannot contacting you during bankruptcy proceedings
Bankruptcy can end excessive or harassing phone calls. When you file for bankruptcy, you will receive an automatic stay on all collections and legal actions.
You can report creditors who are harassing you
You are not powerless to stop creditors from harassing you. If any creditors are engaging in an unlawful practice, can report them to the Federal Trade Commission, Consumer Financial Protection Bureau, or your state attorney general.