How to Deal with Harassment and Deception by a Collection Agency

If you are dealing with harassment or deception by a collection agency, you are not alone. It is important to note that lawmakers did not anticipate collection agencies using unethical and illegal tactics to get people to pay debts. However, there are steps that you can take to protect yourself from these tactics and fight back against the bill collectors. But how do you know when it is time to contact an attorney? In this blog post, an experienced bankruptcy attorney will discuss what harassment and deception are and how to recognize them.  

What is Harassment by a Debt Collector? 

• Abusive language. A debt collector may not use profane or abusive language when speaking with you about your debt. This rule applies to all communications, including phone calls and written correspondence—not just face-to-face conversations. 
• Threats. Threats of violence, being arrested, or taking away your property are off-limits. 
• Repeated calls. Debt collectors cannot call multiple times a day to harass you. If you receive repeated messages on your answering machine from the same debt collector, this is harassment. 

What is Considered Deception by a Debt Collector? 

Collection agencies must be completely transparent. This means that they cannot engage in any deceptive practices, such as pretending to be a law enforcement officer or using a fake company name. Also, they are not allowed to give false credit information about you to anyone. Finally, debt collectors may not threaten any sort of seizure of your property or wages unless they have been authorized by law to do so. 

If you now realize you are being deceived or harassed by a collection agency, don't hesitate to contact a professional for help. The attorneys at Lewis & Jurnovoy in Panama City Beach, FL are experienced in dealing with debt collectors and can help you take the necessary steps to protect yourself from abuse.  

Lewis and Jurnovoy is a local law office serving the Florida Panhandle. We specialize in bankruptcy law, including Chapter 7 and Chapter 13 bankruptcy. We will work to achieve the best financial remedy for your outstanding debts. 

Lewis & Jurnovoy PCB  
2714 West 15th St 
Panama City, FL 32401 
(850) 913-9110 
https://www.LewisandJurnovoy.com