No one wants to find themselves in the position of getting behind on debts. As the bills mount, so too does the pressure for a debtor trying to get on top of the situation. When debt collectors begin to cross the line and take advantage of you, they may actually be breaking the law. It can seem overwhelming to find yourself in the position of not understanding the full scope of your rights, but an attorney in Kansas City can help.
With years of experience helping consumers just like you pursue claims of creditor harassment, you should know that there are certain things debt collectors can and cannot do. Even if you owe a large amount of debt, it’s still worth consulting with a Kansas City debt collector harassment lawyer to understand your rights.
Even when you fall behind on your bills, you have particular rights that credit agencies cannot violate. Unfortunately, many of these agencies still continue on in this behavior because they assume that you are not familiar with your rights. No matter how much money you might owe, your consumer rights are still protected. This is as a result of the Federal Fair Debt Collection Practices Act.
The purpose of this law is to protect you from harmful or illicit debt collection activity, and this law can be a powerful ally in your corner. This law was drafted and enacted as a result of many consumers just like you coming forward after debt collectors had crossed the line. Recognizing that these practices unfortunately still happen from time to time is the first step, and consulting with a knowledgeable lawyer is also recommended.
Protecting Yourself in the Midst of Debt Collector Harassment
The most important thing about debt collector harassment is that you need to be aware of your rights. Debt collectors are either lawyers or agents acting on a creditor's behalf in order to recover a debt. There are several things, however, that they are expressly forbidden from doing. This includes:
- Insulting, yelling, or swearing at you
- Contacting your friends, family, or neighbors
- Leaving abusive messages on your answering machine
- Threatening you with garnishments, being arrested, liens, or lawsuits
- Contacting your workplace after you have informed them not to communicate with you at work