Being in debt is frustrating enough and, when circumstances make paying the debt more complicated, harassing phone calls, letters, and texts don’t help. As a debtor, you have certain rights and protections that are in place to guard you against the most aggressive debt collection practices. That doesn’t always stop a company from violating these rights and harassing or intimidating people already facing the difficulty of not having enough money to pay all debts. If you are being harassed, call our Chicago debt collection rights attorneys at (888) 517-9115 to schedule a free consultation and learn how we can help.
Debt collectors must adhere to the Fair Debt Collection Practices Act. This act contains a number of regulations limiting the reach of debt collectors and ensures debtors are protected from irritating and aggressive collection practices. Among the protections covered by this act are:
- No calls before 8am or after 9pm
- No repeat or continuous calls
- No verbal abuse, threats, or intimidation tactics
- No attempt to collect more than what is actually owed
In addition to these limitations, debt collectors must notify a debtor, in writing, notice of a debt and provide an opportunity to respond before moving onto other collection practices.
If you are being harassed by a debt collector or if you suspect your rights under the Fair Debt Collection Practices Act have been violated, please contact Markoff Leinberger to schedule a free case evaluation right away. We are based in Chicago, but our consumer protection lawyers serve victims of aggressive and illegal debt collection practices throughout the nation.