Debt Collector Harassment
Federal debt collection laws, known as the Fair Debt Collection Practices Act (FDCPA for short), regulates the conduct of debt collectors attempting to collect debts on behalf of others or on their own behalf in the name of another.
The FDCPA establishes guidelines precluding debt collection activities as “harassment”. Such harassing conduct includes, but is not limited to:
- The use or threat to use violence or other criminal means to harm the physical person, reputation, or property of any person
- The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader
- The publication of a list of consumers who allegedly refuse to pay debts
- The advertisement for sale of any debt to coerce payment of the debt
- Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
- The placement of telephone calls without meaningful disclosure of the caller’s identity as a debt collector
- The engagement in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt
This list is expressly non-exhaustive and the prohibition against harassing debt collection tactics can be generally applied to any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
The Law Offices of Robert J. Nahoum routinely represents consumers who have been the victim of debt collector harassment. In appropriate cases, we sue debt collectors and debt collection law firms in Federal District Courts for violations of the FDCPA. Because the FDCPA is fee shifting (meaning that the debt collector pays our legal fees), we don’t charge our FDCPA clients a penny out of pocket.
If you have questions, concerns, or legal needs regarding harassing debt collection practices, we urge you to contact The Law Offices of Robert J. Nahoum, P.C. today by calling 845-232-0202.