Section 806 of the Fair Debt Collection Practices Act states in part that a debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. One example of such activity involves using threats (including implied threats), violence, or other criminal means to harm anyone's reputation, property, or physical person.
Collector Harassment Means Without A Breast
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Multi-State
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US-DCPA-18.1BG
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How to fill out Letter Informing Debt Collector Of Harassment Or Abuse In Collection Activities Involving Threats To Use Violence Or Other Criminal Means To Harm The Physical Person, Reputation, And/or Property Of The Debtor?
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FAQ
If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. You can also contact your state's attorney general. Learn more about debt collection.
On the other hand, here's what you shouldn't do. Don't give a collector any personal financial information, make a "good faith" payment, make promises to pay, or admit the debt is valid.
If you believe a debt collector is violating the law, you may report your complaint with the Attorney General's Office. The Office uses complaints to learn about misconduct.
However, the Federal Trade Commission recently clarified the rules regarding collections, now clarifying that collectors cannot call you more than seven times within a seven-day period or within seven days of speaking to you about a debt.
If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.
