Or less the creditor harassment you're experiencing is illegal it has to do with the fair debt Collection Practices Act. The law prohibits certain actions by the creditor in an attempt to collect the debts. Here are some rules to know, that can help determine if the creditor is breaking the law:
Calls during odd hours
Creditors are prohibited from calling during odd hours. Examples of odd hours are six hours in the morning or 10 hours a night. Is what reasonable minds would consider off-business hours, or hours that would make calling intrusive. If creditors calling during odd hours, are engaged in illegal creditor harassment.
False representations about collection
Creditor harassment is unlawful to give false representation about how they will collect the debt from you. Some creditors go away from making false representations on how they intend to collect the debt to threaten and intimidate you. A famous example is threatening to call your employer about the debt. Creditors know that many consumers will fear losing their job or that appear in a bad light on their employer because of this threat. Another common threat is that sue and take all your assets, when they have no intention to file a lawsuit.
False declaration of the amount of debt
If the creditor adds collection costs and Attorney's fees to the amount of the debt, they are misrepresenting the debts. This practice does not have legal under the fair debt Collection Practices Act. The creditor must disclose the actual amount of debt due without added expenses.
Options for dealing with creditor harassment are illegal to solicit the help of a lawyer to file a lawsuit to stop it and, if necessary, or to send a letter to creditors, asking them to stop contacting you.
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