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Janet K. Hong and Derek Hong are the founding partners of Hong Law, PLC

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Home  >  Articles  >  Putting an End to Collector Harassment

Putting an End to Collector Harassment

When you’re dealing with financial troubles, one thing that can significantly worsen your situation is being harassed by aggressive debt collection agencies. This can be constant abuse that affects you and your close friends or family members, and in many cases, it is illegal. According to a law called the Fair Debt Collection Practices Act (FDCPA), collection agencies are expected to adhere to specific rules of engagement when interacting with debtors. For example, collectors are required to promptly identify themselves as well as the agency for which they are seeking payment.

Creditors and lenders do have a right to pursue reimbursement, however they should never be allowed to use harassment or abuse to get their money. At Hong Law, PLC, our attorneys can help put a stop to this invasive behavior and allow you room to breathe when figuring out how to solve your financial problems.

Common Violations

In addition to requiring certain behaviors of collectors, the Fair Debt Collection Practices Act prohibits these agencies from engaging in harassing practices. If a collector has done any of the following, you may have a strong case against them:

  • Called you before 8:00 am or after 9:00 pm.
  • Continued to attempt contact after a written request to end communication has been submitted on your behalf.
  • Annoyed or berated you with numerous phone calls.
  • Called you at your workplace.
  • Lied or misrepresented facts.
  • Published your name on any type of public list.
  • Contacted or attempted to contact any third parties, such as family members or friends.

According to the FDCPA, no harassment of debtors from collection agencies will be tolerated. If you are dealing with this type of abuse, contact an attorney immediately for help.

Contact a Cedar Rapids Bankruptcy Attorney Today

Our Cedar Rapids attorneys at Hong Law, PLC, are capable and eager to help you find a solution to all of your financial struggles. Call us today at (319) 294-5853 to learn more about the services we offer.