If you or a loved one is receiving countless daily phone calls, emails, or any other form of communication from debt collectors, you can take steps to stop these unwanted communications. Many debt collectors participate in harassing behavior, make false statements, or engage in unethical practices, which are prohibited and may give rise to legal action.
Harassment
Many debt collectors consistently and repeatedly make phone calls. Debt collectors are not prohibited from calling individuals in order to discuss his or her current financial situation, they are, however, not allowed to call individuals repeatedly and incessantly. If you are receiving phone calls from a debt collector multiple times per day, contact an attorney. In addition, a debt collector is not allowed to release the identity of individuals with outstanding debts, unless it is to a credit agency.
False Statements
Debt collectors often lie and hide the truth in order to collect on a remaining balance. A debt collector is not allowed to receive an individual in any way or intimidate an individual in any way. Intimidation and deception include claiming to be an attorney, that it is a crime to have unpaid debt, or sending out forms that resemble legal documents. In addition, a debt collector may not threaten to seize assets or garnish wages.
Unethical Practices
Individuals with debt tend to be in a vulnerable position. A debt collector is not allowed to seize property unless certain legal processes have been completed. Also, a debt collector may not deposit a post-dated check early.
If debt collectors have threatened you or a loved one with the seizure of assets or are making harassing phone calls, contact an experienced attorney who can assist you. Debt collector harassment issues have become a serious problem. Robert Jacovetti is an experienced debt attorney who has helped countless residents of Long Island and the boroughs of New York City, including the Bronx, Brooklyn, Manhattan, Queens, and State Island, when they have been in over their heads financially. Whether you are maxed out on your credit cards or facing a debt collection lawsuit, you can rely on the experienced, compassionate representation of consumer protection lawyer Robert Jacovetti. Contact Jacovetti Law, P.C. At Sub:Phone} today for a free consultation.