Drawing The Line Between Legal vs Harrassing Debt Collection

If you owe someone money, a debt collector will be sent to collect the payments on behalf of your creditor. This simplifies the task for the creditor but it can also make your life miserable. It is hard enough that you are confronted with debt, dealing with debt collectors can be an entirely different issue. How do you determine if your debt collector is using the required procedure or if they had broken the line and start harassing you? If you need help with debt collectors, you will learn information you can use to identify legal methods of collection versus harassing methods. Your ability to identify the difference can get them off of your shadow.

What is Legal?
When you keep getting calls from a debt collector, there is no reason to react negatively. They have every right to do so. However, their legal rights to contact and collect from you should not be abused. If you ask yourself,  “what is my right when dealing with debt collectors?”, you can start by knowing what are debt collectors allowed to do. Here are some of those:
  • They can legally contact you a few times a week to remind you about your debt. They can also communicate to you with regards to collecting the payment. Depending on the circumstances, you should be contacted no more than three times per week.
  • Aside from calling you on the phone, debt collectors can also visit your residence (if you have provided that information to them). Like the phone calls, there are only a certain number of times wherein they can legally visit you in a span of one week.
  • They can also state what legal actions they can take against you in your failure to make payments on time.
  • They can also inform you that your existing debt will be reflected upon your credit report and its possible consequences.
Signs of Debt Collector Harassment
To make it easier for you to identify debt collector harassment, here are some of the tell-tale signs you should be wary of:
  • One of the things that prompt consumers to seek help with debt collectors is when they are threatened that they will be sent to jail. A debt collector is not legally authorized to issue such a statement. If they do so, this is a form of harassment.
  • They also cannot make threats towards you with regards to physical violence or causing some form of harm to you, or a family member.
  • They cannot threat to relinquish any property of value in exchange for your debt payment, especially when they are unable to present a court order.
  • As is listed above, debt collectors can only contact you three times a week (or more under special circumstances). Anything beyond that is considered a form of harassment.
  • They cannot contact you in the workplace, especially if you did not authorize them to do so, or after you have sent them a written request to stop contacting you. Check out Debt Mediators
You can get consultation from debt experts about how to get help with debt collectors. If you are handling this on your own, any form of threat can scare you off! But once you know your rights, you will be able to protect it.

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