Stop Credit Harassment Today with Information from Yesner & Boss, P.L.
Today's economy has left countless Americans struggling with rising debt. Many of these debtors have found themselves so overwhelmed that they have become late on some of their payments. However, just because you're having a tough time financially does not mean you have to be subjected to credit harassment from your creditors. In fact, the government has enacted rules specifically to prevent credit harassment and the various forms of such abuse.
These regulations are outlined in the Fair Debt Collections Practices Act, commonly referred to as the FDCPA. These rules govern how and when creditors are allowed to contact you in regards to your debt and lay out specific guidelines to prevent credit harassment. Here are just a few examples of the stipulations in the FDCPA:
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Creditors are not allowed to contact a third party not involved in the debt, such as an employer, relative, or neighbor
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Creditors cannot resort to false threats in order to force you to pay
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Creditors cannot call you at unreasonable times of the day, defined as before 8:00 AM or after 9:00 PM
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Creditors cannot call you at an inconvenient place, such as your workplace
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Creditors cannot use insults, racial slurs, or obscenity
These are just a handful of the examples of credit harassment outlawed by the FDCPA. If you are a struggling debtor and feel that your creditors have become too pushy or downright unreasonable with their collection efforts, contacting a bankruptcy attorney in Tampa may be a great idea to ensure that your rights are upheld. If you'd like more information about credit harassment and how you can take the steps to protect yourself and make it stop, contact Yesner & Boss, P.L. today to set up a free consultation.
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