Can I hold an abusive debt collector accountable for damages?

Many debtors are currently unaware that they have certain rights regarding fair debt collection practices. If you are a debtor who feels that they have had their rights violated by a collector, do not hesitate to call a Raleigh injury attorney from the Whitley Law Firm.

The Fair Debt Collection Practices Act

According to the law, consumers have rights when it comes to debt collection. While a debt collection agency or a credit card company may feel that they can treat you in any manner they like because you owe them money, they must adhere to the law as well.

The following are prohibited by debt collectors under this act:

• Calling debtors at odd hours;
• Speaking to a family member or another person about the debtor's financial situation;
• Using threats against the debtor;
• Calling a debtor with the intent of annoying or harassing them;
• Calling a debtor at work after an employer has specifically requested not to; and
• Calling a debtor without disclosing their identity.

There are many other practices forbidden under the FDCPA, and an attorney from our office can help you understand your rights and the options that you have when facing an abusive collector.

In some cases, a debtor may actually be able to hold a collector accountable for some of the damages caused, including paying for attorney fees and paying for a debtor to file bankruptcy. Furthermore, a debtor may be entitled to non-economic damages caused by an abusive debt collector as well.

Harassment by debt collection agencies in any form is against the law, and you should speak up if this has happened to you. It will be your responsibility to take proper legal action. With an attorney on your case, a debtor is no longer even allowed to contact you directly. Call us today for a free evaluation of your case and to learn your rights!

Contact a Raleigh injury attorney today or visit our fair debt collection site.