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At a certain point collectors cross the line from taking action to collect, to abusing and harassing consumers into paying. Learn where that line is.
If you have a debt in collections, it’s actually in the collector’s best interest to make you uncomfortable in an effort to get you to pay. The idea is to get you unhappy enough that you finally give in and pay them back. But they don’t have carte blanche to do that by any means necessary. There are limits.
And those limits are set by the Fair Debt Collection Practices Act and protected by federal agencies like the FTC and CFPB. The information below can help you understand what does and doesn’t violate your rights according to the FDCPA. If a collector has violated your rights or you want to get a resolution to your debt problems so the collectors will get off your back, call us or complete the form to the right.
The FTC takes time to define exactly what counts as harassment according to their legally established definition.
Here are the actions a collector can take that cross the line:
There are also some other things collectors are prohibited from doing and saying:
In addition to direct harassment, there are also strict rules about a collector making false or misleading statements. So collectors aren’t allowed to lie.
Here is what collectors specifically can’t lie about:
The last type of collector abuse falls into the category of unfair collection practices. Outside of harassing you and lying, there are also a certain set of actions a collector can’t take according to fair debt collection practices.
So here are some extra things they can’t do to you:
Fact: Time violations are the third most common type of collection complaint according to the FTC.
Article last modified on May 10, 2019. Published by Debt.com, LLC . Mobile users may also access the AMP Version: What Counts as Collector Harassment? - AMP.