Virgin Islands Second Notice to 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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Multi-State
Control #:
US-DCPA-18.2BG
Format:
Word; 
Rich Text
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Description

This form is a follow-up letter containing a warning that the debt collector's continued violation of the Fair Debt Collection Practices Act may result in a law suit being filed against the debt collector.

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FAQ

Debt Collectors Can't Call You Repeatedly to Harass You This means that while the FDCPA doesn't place a specific limit on the number of calls debt collectors can make, it prohibits them from calling you multiple times just to harass you. (15 U.S. Code §? 1692d).

The definition of debt collection harassment is to intimidate, abuse, coerce, bully or browbeat consumers into paying off debt. This happens most often over the phone, but harassment could come in the form of emails, texts, direct mail or talking to friends or neighbors about your debt.

No harassment The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language.

Debt collectors may threaten to sue you to try to collect a debt. In some cases, they can legally make this threat. But in other situations, making this threat is illegal. The Fair Debt Collection Practices Act governs how debt collectors can use threats to collect debts.

Debt collectors cannot harass or abuse you. They cannot swear, threaten to illegally harm you or your property, threaten you with illegal actions, or falsely threaten you with actions they do not intend to take. They also cannot make repeated calls over a short period to annoy or harass you.

Even if you do, debt collectors aren't allowed to threaten, harass, or publicly shame you. You can order them to stop contacting you.

Threats of violence or other kind of harm. Obscene, abusive, or vulgar language. Sharing your information publicly, to shame you into paying your debts. Contacting you in the middle of the night, or at your place or work, if you have requested that they not.

No harassment The Fair Debt Collection Practices Act (FDCPA) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. Some examples of harassment are: Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone. Obscene or profane language.

Fortunately, there are legal actions you can take to stop this harassment:Write a Letter Requesting To Cease Communications.Document All Contact and Harassment.File a Complaint With the FTC.File a Complaint With Your State's Agency.Consider Suing the Debt Collection Agency for Harassment.

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Virgin Islands Second Notice to 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