When you face debt, you already have a mountain of worries on your shoulders. In this difficult and troubling time, the least of your concerns should be the debt collectors who may pursue you for your money.
Unfortunately, some debt collectors cross the line and engage in harassing behaviors in their attempts to collect. But just what sets harassment apart from what might just count as aggressive tactics?
What is harassment defined by the FDCPA?
The Consumer Financial Protection Bureau examines harassment on the part of debt collectors who take things a step too far. The Fair Debt Collection Practices Act (FDCPA) ensures that you have safety and protection from debt collectors who would take extreme measures to get your money. But what falls under the scope of its protection?
First, you have harassment through verbal means. This can include making threats about eviction or legal actions, cursing, using derogatory or foul language, using slurs or threatening bodily harm.
Also in this category, you have the use of phones for harassing purposes. Many debt collectors will try to scare you or annoy you into cooperation through nonstop calling. They may call you at all hours of the day or night, no matter what time it is. They will not leave messages or identifying information, and if you pick up, they may threaten or abuse you.
The use of physical threats
Some even make their threats more physical. For example, a car could stake out just beyond the border of your property. Though the agent inside the vehicle does not do anything, this can create psychological pressure and discomfort. If you find yourself facing any of these issues, consider seeking legal help.