One of the most stressful and overwhelming aspects of owing a lot of debt is constant contact from creditors and debt collectors. If you are past due on your payments, your creditors do have the right to attempt to collect on what you owe, but there are limits to what they can do.
Regardless of how much money you owe, debt collectors cannot overstep their bounds and violate your rights. If you believe you are enduring treatment that qualifies as creditor harassment, you do not have to tolerate it in silence. There are steps you can take to protect yourself and seek a better financial future for your Texas family.
What counts as harassment?
There are various types of behavior that could qualify as creditor harassment. You may think you have to put up with mistreatment because you owe money, but there are certain things you do not have to endure. According to the Fair Debt Collection Practices Act, consumers have protection against certain behaviors, including the following:
- Calling too late or too early, attempting to speak with the consumer at odd times or in inappropriate places
- Calling the consumer at work, even after a request to not do so
- Telling friends, family and other third parties about your debt
- Using abusive or inappropriate language when communicating with the consumer
- Using continuous phone calls as a way to annoy the consumer
- Threatening the consumer with violence or failing to identify oneself as a debt collector when calling
In addition to these and other types of inappropriate behaviors, debt collectors cannot contact you if you have representation from an attorney. After you have secured the counsel of a lawyer, debt collectors will have to go through your representative in order to have direct contact with you.
Harassment from parties attempting to collect on a debt can be disrupting and add stress to your life. You may find it beneficial to learn how you can make it stop once and for all.
Fighting for a better financial future
While it may not seem like it while you are dealing with overwhelming debt, there can be a better financial future ahead for you. Through bankruptcy, you can find an organized way to deal with your debt, and once you file, you will have protection from continued debt collection attempts from creditors, A complete evaluation of your case can help you understand the benefits that consumer bankruptcy offers you.