Are you being bombarded by daily calls from debt collectors who are trying to intimidate you into paying old debts that you simply can’t afford? If so, consult with a capable Terre Haute debt harassment attorney who can put a stop to the chaos.
The Fair Debt Collection Practices Act (FDCPA) was designed to protect consumers who owe debts from unsavory debt-collection practices that often include harassment and threats. Violations of the FDCPA can allow debtors to sue the collector for damages, and you can also use the aggressive behavior as a tool in negotiating what you’ll ultimately pay for the debt.
When you need help handling hostile debt collectors, call a Terre Haute debt harassment lawyer at Rowdy G. Williams Law Firm. We won’t back down in the face of bullies.
Forms of Debt Harassment
Being contacted by a debt collector can leave you with a sense of foreboding even if the collector hasn’t been overly aggressive in his or her attempt to recover your debts. But when a collector or agency begins harassing you and interfering with your everyday life, a line has been crossed. The collector should be held accountable for this behavior.
You might be wondering whether the collector handling your debt is crossing that boundary. Some debt harassment tactics in Terre Haute include the following:
- Threatening violence or harm
- The use of profanity
- Publication of your name on a list with other debtors
- Repetitive phone calls
- Failure to disclose his or her identity
Collectors are not legally able to make threats they cannot keep, such as garnishing your wages or having you arrested for failure to pay, or misrepresent who they are or the amount owed.
In addition, collectors will be in violation of FDCPA rules and subject to a lawsuit if they persistently contact you about your debt after being told in writing that you have no intention to pay. They also cannot attempt to collect after being informed that you are working with an attorney or speak with your relatives or other relations about your debt.
What a Terre Haute Debt Harassment Attorney Can Do to Help
Debt collectors who violate FDCPA regulations can be brought to court and sued for harassment and damages, which can include emotional distress, lost wages from their interference with your work, statutory damages of up to $1,000, and your attorney fees.
Your debt harassment lawyer in Terre Haute can also use the collectors’ harassment as leverage if you are hoping to settle the debt. By utilizing the fact that they broke the law in their attempt to collect your debt, we may have the opportunity to negotiate the debt down to a more manageable amount.
Reach Out to a Debt Harassment Lawyer in Terre Haute
You should never be bullied, intimidated, or harassed by someone attempting to collect a debt. If you are interested in discussing the details of your situation with an experienced Terre Haute debt harassment lawyer, reach out to Rowdy G. Williams Law Firm today. You can schedule a free claim evaluation by giving us a call at 1-812-232-7400 or filling out the contact form below.