FAQ About Debt Harassment

Know your rights so you can defend your rights.

Debt collection harassment robs you of your time, energy, and peace of mind. Lemberg Law’s debt collection FAQ outlines all of the information you need to assert your rights and fight back against abusive debt collectors.

The basics

First things first. It’s important to understand the players: creditors and collection, as well as collection agencies and how they work. You might be interested in the different actions debt collectors can take and the implications of ignoring debt collectors. Beyond that, it may be worth your while to learn more about the two primary laws that protect you from debt collector harassment:

Collection calls

Collection calls are the bane of every consumer’s existence. As such, they raise several questions, including the number of times a collector is allowed to call, whether they can call you at work, and – most importantly – how to get collectors to stop calling. Our clients often have even more specific questions, such as:

Other collection activities

Debt collection calls are a central tactic that agencies use to contact consumers. But they’re just one piece of the debt harassment puzzle. Debt collection agencies have been known to threaten, mislead, and even insult consumers. People are understandably concerned about the potential for collectors to confront them at work, or under these conditions:

Credit implications

 It’s understandable that consumers are concerned about the impact that debt collection has on their credit reports. Learning about the timing of when collection agencies report to credit bureaus can be helpful, as can discovering how long collections stay on your credit report or if debt collectors can threaten you with reporting false credit information.

Debt collection lawsuits

There are circumstances under which debt collectors can sue you, so it’s important to understand when they’re allowed to do so and what to do if you’re sued. You should also know that you can sue a debt collection agency for harassment. Specific questions our clients have include:

Wage garnishment

If a debt collector obtains a legal judgment against you, then you may be subject to wage garnishment. This raises a host of other questions, such as:

Taking action

No one wants to feel powerless when dealing with debt collectors. Consumers should be informed about how to find out if you have a debt in collection, how to tell whether or not a debt collector is legitimate, how to deal with debt collectors, and how to stop debt collections from calling. Other things you may be able to do include:

See also how to stop Student Loan Debt Collection Harassment, and general issues about Student Loans and debt.

 

 

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