Many, if not most, debt collection agencies and debt collectors take an aggressive approach. In fact, you may be so used to their high-pressure tactics that you have learned to accept them. In reality, however, there are federal laws that limit the lengths that debt collectors can go to, and the fact is that your rights may have been violated. Consult with our experienced fair debt collection attorney at The Law Offices of Jibrael S. Hindi today.
Debt collectors often put their own spin on harassment, but legal limits apply, and one of these limits relates to how often they can call you. The bottom line is that calling you over and over again with the sole intention of annoying, harassing, or abusing you is barred by the law.
Generally, seven calls in any seven-day period for a specific debt is the legal limit. While there isn’t a specific limit regarding the number of calls a debt collector can make to you on any given day, calling you over and over again is not allowed. Then, if you discuss a debt with a debt collector, they can’t call you about it again for at least seven days.
If you’re being called incessantly about the same debt, it’s harassment. A dedicated fair debt collection lawyer can help.
Debt collectors are also limited regarding the times of the day or night that they call you. Such calls are generally only allowed from 8 AM to 9 PM local time. Collection calls that are made at any other time are a form of debt collection harassment.
Once you inform a debt collector that you can’t accept personal calls at your workplace, they are required by law to stop calling you there. Fielding debt collection calls at work? Consult with a fair debt collection attorney today.
Unlawful debt collection practices can take many different forms, and debt collectors are good at dreaming up new tricks. The following, however, are common examples of practices that debt collectors shouldn’t engage in:
When you’re in the middle of a storm of communication from an overly aggressive debt collector, making well-considered decisions can be difficult to manage. A better idea is retaining the skilled legal guidance of a trusted fair debt collection lawyer.
Our seasoned fair debt collection attorney at The Law Offices of Jibrael S. Hindi has the legal skill and insight to help resolve your debt collection concerns, and we’re on your side. Learn more by contacting us online or giving our firm a call at 844-542-7235 today.