When it comes to paying the bills, no one wants to fall behind. But job loss, serious health issues, or other unexpected events can cause you to miss payments on a car loan, the mortgage, medical bills, or credit cards. Through no fault of your own, you may find yourself in debt.
Falling behind on your bills isn’t a crime – unlike illegal debt collection. Under federal law, debt collectors don’t have the right to harass or intimidate you to collect the money you owe. The use of threatening, unfair, or deceptive tactics to collect a debt is forbidden under the Fair Debt Collection Practices Act (FDCPA).
If you have been subject to illegal collection tactics, you have rights. By filing a debt collection harassment lawsuit, you may be able to stop the abusive calls and obtain money for damages you’ve suffered due to a debt collectors unlawful practices.
Are You a Victim of Unfair Debt Collection?
How do you know if you’ve been unfairly harassed? Debt collectors may violate federal debt collection laws such as the Fair Debt Collection Practices Act by using these and other practices :
- Leaving pre-recorded or robo-call messages on your cell phone
- Phoning multiple times daily about your account
- Calling family, friends, or co-workers to discuss your debt
- Telling others that you owe money
- Calling you at odd times or places without your consent
- Communicating in a false or misleading manner with you