Dealing with debt is a nightmare all on its own, and the last thing you need on top of that is more stress. Unfortunately, this is exactly what certain creditors and debt collectors bring to the table.
But creditors can and do sometimes cross a legal line. Under the Fair Debt Collection Practices Act (FDCPA), you have protection from harassing and misrepresentative behaviors. First, you need to understand how to identify it.
Threats from debt collectors
The Consumer Financial Protection Bureau takes a look at the impact of creditor harassment. It can leave victims like you feeling unstable, uncertain, anxious and stressed, which can actually make it harder for you to figure out how to navigate through your current financial crisis.
Debt collector harassment can also come in many different forms, which may sometimes make it difficult to pinpoint when you are facing it. Keep an eye out for the most obvious types of harassment first, which often involve threats. This may include physical threats, threats of eviction, threats toward the well-being of yourself or your family, and the use of vulgar or crass language.
Dedicated harassment campaigns
Dedicated harassment may also happen. In many cases, this manifests as a debt collector repeatedly calling your home throughout the day and night without identifying themselves or leaving messages on the phone. They will call well after “office hours” and early in the morning, long before you wake up to start your day.
Some even go so far as to physically intimidate you, like parking outside of your property and remaining there all day to scare you or give you a sense of dread. If you face any of these things, consider speaking to legal help immediately.