What Are Examples of Creditor Harassment?
Creditor collection actions are governed by both state and federal laws. The Federal Fair Debt Collection Practices Act (FDCPA) is specifically designed to delineate the differences between proper methods to recover debts and actions which are considered harassing. Here are some of the tactics creditors often use in their attempts to collect debts: • Calling you 15 or 20 times a day • Sending you threatening letters • Calling your family members, friends or employer • Threatening you with criminal charges or imprisonment • Impersonating an officer (some creditors have even appeared wearing fake police badges to intimidate debtors into paying) By law, all debt collection attempts must cease as soon as you hire an attorney — which you can do for as little as $100 down. Once you notify a creditor that you have hired a lawyer, the creditor is required to stop contacting you and funnel all communication through your lawyer. In fact, should a creditor continue to harass you, you may have gro
