Dealing with debt collectors can be nerve-wracking, even when they are not being rude. However, some of them can cross lines and start harassing the debtors. If you owe someone money, it helps to know your rights, so you know what is right and what is wrong.
If you suspect a debt collector is breaking the law, lawyers from the Zero Debt Law Firm can tell you your options. You can legally pursue a claim against the collector or the company they work for and recover damages. Most debtors do not know their rights, which is why they become vulnerable before collectors. That is why it is so important to be educated on the topic.
Things debt collectors cannot do
- Come to your workplace.
Under the FDCPA, a debt collector cannot come to your workplace to collect the payments. FDCPA prohibits publicizing debts and showing up at your workplace to collect your debt counts. Therefore, debt collectors cannot harass you at your job; if they do, you can legally take action against them.
On the other hand, a debt collector is allowed to call you at work. They cannot reveal themselves as debt collectors or say that you owe them money, but they can contact you.
- Harass you.
Whether it is your workplace, home, or public, and no matter whatever amount you owe, a debt collector cannot legally harass you. Signs of harassment may include:
- Repeated phone calls
- Use of abusive or obscene language
- Publishing information about you
- Arrest you for debt.
No matter whatever amount you owe them or how old the debt is, the debt collector is not allowed to arrest you. The only time you may be arrested for your debt is when they file a lawsuit in court, and you either fail to show up or lose the case.
Things debt collectors can do
- Seek payment on an expired debt.
If you thought you would not have to pay your debt after the deadline, you are wrong. Even though there are statutes of limitations on unsecured debt, the collector can still come to collect it after the deadline expires. You still owe them money and need to pay it.
- Pressure you to pay.
Debt collectors can pressure you to pay the debts. Remember that there is a difference between pressurizing and harassing. They can make a reasonable number of calls and texts and send frequent letters.
- Sell your debt.
It is perfectly legal for your debt collector to sell your debt to someone who wants to buy it. So, if one collector stops calling and another one starts, do not be surprised.