What is Creditor Harassment?
Most creditors and collection agencies follow the law when attempting to collect a debt. But some don’t, and many times, an abusive creditor is the reason why debtors may feel forced to file for bankruptcy protection—to get the creditor to stop harassing them. You should never allow a forceful inappropriate bill collector to abuse their privilages with you.
FDCPA
A federal statute known as the Fair Debt Collection Practices Act (often called the "FDCPA") gives you specific legal rights to sue debt collectors who unlawfully threaten, berate, intimidate or harass you; call you during odd hours, make false representations about the debt or their intentions.
Can I sue debt collectors?
The FDCPA is a great tool for consumers' lawyers, but it is insufficient to address all bills present in the collection industry. The maximum one-thousand dollars ($1,000.00) in statutory damages is too low in light of today's economy. Further, the FDCPA does not generally provide a cause of action against abusive original creditors. It is for these reasons, and others, that state consumer protection laws are important. If your interested in contacting a lawyer regarding any debt related matter click here.