Creditor Abuse and Harassment: When Enough Is Enough

Share on facebook
Share on twitter
Share on linkedin

Creditors, no matter how much debt you owe, are not allowed to harass or threaten you. While many creditors follow best practices and are simply attempting to collect the debt that they are owed, occasionally, some creditors step out of bounds and their behavior becomes unpleasant and unwelcome. When this happens, you should know that you are not alone. You should never feel threatened, annoyed, or abused by creditors — this is simply unacceptable. 

If you feel that you are being harassed by creditors, it may be time to take legal action. Reach out to the team at MLG Legal today and our Edina bankruptcy attorneys can help put stop collection calls.

What Is Considered Harassment?

Debt collectors are not allowed to harass debtors in any way. This means they are not allowed to threaten you, use obscene language, or abuse you in any way. Creditors can also not publish the names of people who refuse to pay debts or refuse to tell you who they are. While it may be necessary for a creditor to contact you to collect debt, they can only do so in a way that does not threaten, annoy, or abuse you. If a creditor is following best practices, you should not feel threatened in any way by their calls.

How Many Times Can Creditors Call?

There is no limit on the number of phone calls that creditors can make. However, if the calls are causing you distress, this may constitute harassment. It is important to note that typically, collection calls cannot take place outside of 8 am to 9 pm, as those times are considered unusual or inconvenient. 

What Is Considered Misrepresentation?

Creditors are also not allowed to misrepresent themselves or your debt. This means that they must identify themselves correctly. For example, they cannot tell you that they are an attorney, credit reporting company, or a government representative. Additionally, creditors cannot misrepresent the amount of debt that you owe. 

Another important note is that creditors cannot falsely claim that you have done something illegal and they are going to have you arrested if you do not pay unless they are prepared to take legal action and have cause to.

How Do I Stop Creditor Harassment?

Being harassed by creditors is not acceptable. In fact, the practices that we discussed today are completely illegal, and if you are currently experiencing any of them, you may be entitled to take legal action against the offending organization. However, there may be other ways to put an end to not just collection calls, but also the financial plight that you find yourself in. Read on to learn more about how to stop creditor harassment and repair your financial situation.  

Keep Records

If creditors are harassing you, you should keep a record of every single call you receive. Write down the date, time, collection company name, employee name, and what was said during the call. Creditors who harass others should be held responsible for their behavior, and keeping records of their harassment will help you to do that.

File for Bankruptcy

While taking legal action on the creditors may stop the harassment, there may be a larger, more concerning issue at hand — the debt itself and your financial situation. If this is the case, filing for bankruptcy may be an option to not only stop the collection calls but to also address your finances. Whether you have credit card debt, personal loan debt, or have fallen behind on a mortgage or auto loan, filing for bankruptcy may be a solution to put these issues in the past and allow you to move forward to a brighter financial future.

Contact MLG Legal

If you’re receiving harassing calls from credits and you are ready to put this financial mess behind you, the team at MLG Legal may be able to help. Our experienced bankruptcy attorneys can help you determine if filing for bankruptcy is the right option for you. We can also assist with other debt-relief options including mortgage modifications, lease negotiations, debt settlement, and more. Reach out to our team today and we’ll get you started with a consultation so that we can learn how we can help you and put a stop to the harassing collection calls.