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Those who are fighting debt have a lot on their plate. The last thing they need is incessant harassment, including phone calls, emails, and letters, from their lenders.
Luckily, borrowers have certain rights to protect them from such behavior. Learn about the Fair Debt Collection Practices Act (FDCPA) and how to defend your rights against lender harassment.
How to Protect Yourself from Debt Harassment
Under the FDCPA, you have the right as a borrower to make a lender prove that you owe a debt to them through the debt validation process. This ensures that you are not held responsible for a debt that does not belong to you. Additionally, if you do owe the lender a debt, you can be surer of the precise amount through the debt validation process.
Once you receive the debt validation letter from the lender or collections agency, you must act quickly. Most of the time, these letters will inform you that you have 30 days to dispute the validity of the debt. If you do not dispute the debt within this time period, the lender or collections agency will assume that the debt is valid. At this point, the lender or collections agency may use legal efforts to pursue collection of the debt from you.
This does not, however, give the lender or collections agency the right to harass you. They may not leave you threatening voicemails, emails, or letters after you have determined the correct amount of debt and asked them to stop.
Need Help with Debt Disputes? Contact Us Today
You should never pay a debt you did not incur. At Jacovetti Law, P.C., our debt harassment defense attorney Robert Jacovetti is here to help. We encourage you to schedule a free 30-minute consultation to learn how Mr. Jacovetti can protect your rights from lender harassment and, if you do owe debt, figure out a debt repayment plan that works well with your unique situation.
Contact Jacovetti Law, P.C. at (516) 217-4488 to learn how we can assist you.