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About Creditor Harassment
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As a bad debt grows, debt collection agencies seem to exert more and more pressure on the debtors in the form of creditor harassment. Although debt collection is legal, harassment by collection agencies is not! The FDCPA laws are like the cool shades that shelter the customers’ rights and offers protection to illegal debt collection tactics. There are various types of harassment that the creditors impose on the debtors:
- 1. Debt collectors threaten to hurt.2. They come to damage any personal property.3. They use obscene language over the phone.4. They threaten to put the customer behind the bars.5. They make disturbing calls at your workplace.
It is possible for the consumers to get a counseling from their state attorneys regarding their rights. To get a fair view of consumer rights and creditor harassment one can check the following links as well;
- 2. Harassing calls from the creditors
There are two different types of creditor harassment laws; the federal laws and the state laws. The federal laws are for ALL citizens, while the state laws are only for the citizens of that particular state. If both the laws are taken into account it’s the state law that is more effective.
Although there are laws to protect the rights of the consumers yet the best thing preferred would be to consult an experienced attorney in your state to keep everything in place, so that there is no risk of being caught in the nets of creditor harassment. An experienced attorney can safeguard the rights and keep the consumers updated with the facts and circumstances which would prove to be very effective in times of need.
