When you struggle with debt and the possibility of bankruptcy, you already have enough worries on your mind. Harassment is the last thing you need to deal with on top of that. While there are laws in place to protect people like you while handling debt, it is not foolproof.
Sometimes, debt collectors will still target people in vulnerable positions like you. Thus, it is important to understand potential signs that you are a debt collector’s current harassment target.
The Consumer Financial Protection Bureau discusses debt collector harassment. This can come in many forms. For example, a debt collector may use intimidation tactics. This can include parking outside of your property and simply sitting there. Some do this for hours. Others may spend an entire day outside. The intent is to make you feel “watched”, which can increase anxiety and paranoia.
They may also call inappropriately. This includes calling at all hours, including well into the night. It can involve leaving ominous voice messages or refusing to identify themselves. This harassment is often so relentless that it serves as the breaking point that forces people to seek legal help.
Sometimes, debt collectors even confront you directly. They may curse, speak profanely or threaten you and others living in your house. This can include threats of eviction or “throwing you into jail”.
These are all violations under the Fair Debt Collection Practices Act (FDCPA). If you face such behavior, you may wish to seek legal counsel. They can help you fend off these debt collectors, protect your rights and even help you figure out what to do about the debt you are in.