What is Creditor Harassment?
Examples of creditor harassment under the FDCPA include but are not limited to:
- Calling you before 8 a.m. or after 9 p.m.
- Contacting you when you have turned the matter over to an attorney.
- Threatening you with arrest or jail if you fail to pay them.
- Using profane, intimidating, or abusive language when speaking with you.
- Trying to get payment for a debt that is not yours or that has been paid off.
- Telling family, friends, roommates, employers, neighbors, or other third parties about your debt.
- Failing to provide a notice that verifies the debt and allows you to dispute it.
- Contacting you where you work after you have told them not to call you there.
Penalties for Creditor Harassment Violations
In any type of creditor harassment violations, you may be able to file a lawsuit against the offender for statutory damages of $1,000 along with a recovery of legal fees and court costs as well as other actual damages such as for lost wages through wage garnishment and/or emotional distress.
Credit Reporting Violations
Violations of the Fair Credit Reporting Act (FCRA) include listing debts that you no longer owe or were never yours in the first place, listing debt amounts that are inaccurate, reporting that late payments were made when they were not, and failing to investigating a disputed debt on your report. Many other types of violations can occur under this law as well.
Regardless of the type of state or federal violations of the above laws you believe you have been subject to, we recommend that you learn more about your individual case by discussing the details with our Medford creditor harassment attorney. Our firm can evaluate your situation to determine your legal options.