Collections agencies are prohibited from harassing debtors

Published on: Fri, Mar 6, 2009

Classified as: Banks, Personal Finance, Tips & Advice

Collections agencies use fear in order to get debtors to pay their bills. One of the ways they intimidate people is by through the use of harassment.

debt collection letter

Real World Example:

“Debt Collector: “Whatever way you want to handle this thing, you handle it, but as of today, I’m going to handle it my way.”
Consumer: “I’m going to make sure my rights are not violated.”
Debt Collector: “No, no, you going to get violated, sir.”
Debt collector: “What I’m going to do? I know where you’re at. I’m going to have my investigators come to your place of employment and drag you out, OK? Good day, big guy.”

Actual Legal Position:

Collections agencies are prohibited from harassing debtors. It is unlawful for bill collectors to bully their clients, or to use threatening or disparaging language in order collect an unsettled debt.

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