Through no fault of your own, you’ve been struggling financially recently. This is currently the case for millions of Americans. You’re trying your best to get back on track, but debt collectors are making this very difficult.
It feels like you can’t take a breath and figure out a plan of how to get your finances in order again. It’s important to remember that while debt collectors can seek repayments, they must stay within the confines of the law.
Debt collectors cannot threaten you
While it is rare, there are a small minority of debt collectors who might threaten you with violence if you do not pay up. This is unacceptable and certainly against the law. Other debt collectors may opt for different forms of threats. For instance, they may say that you can be arrested if you don’t pay up. Debt collectors are not police officers and you cannot be arrested simply for struggling financially.
Embarrassing you in the workplace
If you’re going to have any chance of getting back on your feet, then you need to hold down a steady job. Debt collectors have no right to place this in jeopardy by trying to make a show of you in front of your boss and colleagues. Unless you have granted permission, then it is generally unacceptable for debt collectors to turn up at or send correspondence to your workplace.
Contacting you at unsocial hours
Typically, debt collectors are only allowed to call you between the hours of 8:00 am and 9:00 pm. It’s also inappropriate for them to call at your home during the night. Repeated attempts to contact you at unsociable hours could constitute harassment.
Being in debt can be worrisome but there is plenty of help out there. Seeking some legal guidance will give you a better idea of the best possible solutions in your specific circumstances, including bankruptcy.