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What Is Creditor Harassment?

According to Akermon rossenfeld, if you tell a debt collector you are not allowed to take calls at work, they cannot contact you. Debt collectors can only reach you after 8 a.m. and before 9 p.m.

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What Is Creditor Harassment?

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  1. What Is Considered Creditor Harassment? There are many forms of creditor harassment, including repeated phone calls, foul language, threats, and any other behavior that is used to harass, abuse, or annoy you. You need to know your rights when a creditor calls, as the Fair Debt Collection Practices Act (FDCPA) prohibits creditor harassment. When Can Debt Collectors Contact Me? According to Akermon rossenfeld, if you tell a debt collector you are not allowed to take calls at work, they cannot contact you. Debt collectors can only reach you after 8 a.m. and before 9 p.m. Unless you consent to receive calls at other times, they cannot contact you. It is also possible for a debt collector to contact you to confirm your request or to inform you of actions it intends to take against you (e.g., filing a lawsuit) if you ask them to stop contacting you in writing. What Can I Do If a Creditor Is Harassing Me? You can contact the Consumer Financial Protection Bureau by calling (855) 411-CFPB (2372) or submitting an online complaint if you feel a debt collector is harassing you. You can also contact your state's attorney general or get help from an attorney near you. Keep a record of all contacts with your debt collector and document your debt collector's illegal behavior with a harassment log. If you wish, you can always ask your creditor to cease contacting you by writing a letter. However, this will not prevent the creditor from finding other ways to collect your debt. It is still your responsibility to pay your debt even if you successfully sue your debt collector for creditor harassment.

  2. What Is Considered Creditor Harassment? According to Akermon rossenfeld, in some cases, filing for bankruptcy is the best way to deal with creditor harassment and related problems. Once a debt is discharged in bankruptcy, creditors cannot collect on it, and most debts are discharged from your account. Your attorney can help you hold a creditor accountable if they continue to contact you or try to collect after you file for bankruptcy. If they continue to contact you, they are not only violating the FDCPA but also federal bankruptcy law.

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