Perhaps the one thing that makes debt so unpleasant is the constant harassment some individuals receive from debt collectors. Collections agencies are notorious for applying unscrupulous practices in their attempts to get money, often overstepping boundaries of propriety by calling the debtor’s distant family members and friends. Fortunately, there is a law in place called the Fair Debt Collection Practices Act that is designed to corral such collection practices.
While lenders have a right to recover their money, no person deserves to be harassed. If you or someone you know is dealing with invasive collectors, call the Dallas / Plano offices of Gagnon, Peacock & Vereeke, P.C., to get help today.
The Fair Debt Collection Practices Act protects debtors by requiring collection agencies to follow certain rules when seeking payment, such as identifying themselves and the lender on whose behalf they have established contact. The FDCPA also prohibits certain behaviors that constitute harassment from collectors. You may be a victim of collector harassment if any of the following things have happened to you:
- You receive collection calls before 8:00 am or after 9:00 pm.
- The collector has continued to contact you after you have submitted a request in writing to end communication.
- You receive numerous calls with the intention to annoy or berate you.
- You receive calls at your workplace from collectors.
- Collectors lie or misrepresent the facts in an effort to extract payment from you.
- Your name has been published on any type of public list.
- Collectors contact or attempt to contact third parties such as your family or friends.
There are many other violations to be aware of, but fortunately you can find relief by acquiring legal representation.
Contact a Bankruptcy Attorney Today
If you live in the Dallas or Plano area and are dealing with harassing calls or emails from collection agencies, we can help you put a stop to it. Call the attorneys of Gagnon, Peacock & Vereeke, P.C., at (214) 824-1414 today to discuss the particulars of your case with an attorney.