Debt Collector Harassment
Kansas City Debt Collector Harassment Lawyer
Turn to Our Kansas City Consumer Protection Attorneys
No one wants to find themselves in the position of getting behind on debts. As the bills mount, so too does the pressure for a debtor trying to get on top of the situation. When debt collectors begin to cross the line and take advantage of you, they may actually be breaking the law. It can seem overwhelming to find yourself in the position of not understanding the full scope of your rights, but a debt collection attorney in Kansas City can help.
With years of experience helping consumers just like you pursue claims of creditor harassment, Patton & Dean, LLC wants you to know that there are certain things debt collectors can and cannot do. Even if you owe a large amount of debt, it’s still worth consulting with a debt collector harassment lawyer to understand your rights.
Even when you fall behind on your bills, you have particular rights that credit agencies cannot violate. Unfortunately, many of these agencies still continue with this behavior because they assume that you are not familiar with your rights. No matter how much money you might owe, your consumer rights are still protected. This is as a result of the Federal Fair Debt Collection Practices Act.
The Federal Fair Debt Collection Practices Act
The purpose of this law is to protect you from harmful or illicit debt collection activity, and this law can be a powerful ally in your corner. This law was drafted and enacted as a result of many consumers just like you coming forward after debt collectors had crossed the line. Recognizing that these practices unfortunately still happen from time to time is the first step, and consulting with a knowledgeable lawyer is also recommended. These debt collection laws protect consumers from being harassed by collectors. If you need a debt collector lawyer, call our law firm today at (913) 203-4786.
Protecting Yourself in the Midst of Debt Collector Harassment
When it comes to debt collector harassment, the most important thing is that you need to be aware of your rights. Debt collectors are either lawyers or agents acting on a creditor's behalf in order to recover a debt. There are several things, however, that they are expressly forbidden from doing.
Illegal debt collection practices include:
- Insulting, yelling, or swearing at you
- Contacting your friends, family, or neighbors
- Leaving abusive messages on your answering machine
- Threatening you with garnishments, being arrested, liens, or lawsuits
- Contacting your workplace after you have informed them not to communicate with you at work
- Use of threat, violence or other criminal means to harm a person, reputation or property
- False representation that the debt collector represents a state or federal government
- Misleading information on the amount or legal status of a debt
- False implication that debt collector is an attorney or law enforcement officer
- Implication that nonpayment of a debt will result in arrest or imprisonment
- Causing a telephone to ring repeatedly with intent to annoy, abuse or harassment
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If a debt collector has violated any of these rules, you may be eligible to recover compensation. Abusive collectors are subject to up to $1,000 in fines for illegal behavior in addition to compensating you for attorney's fees and your court costs. If you have suffered:
- Financial harm
As a result of illegal collection attempts, then an experienced Kansas City collection harassment attorney can assist you with forcing the debt collector to compensate you.
Some of the emotional damages associated with these issues include:
- Marital problems
- Loss of sleep
- Lack of energy
You can sue debt collectors that violate your rights under federal law. Under the FDCPA, you may even be eligible to pursue punitive damages. It is essential to consult with an attorney as soon as possible after you realize that your rights have been violated. You may wish to record phone calls or keep track of any other evidence associated with this illegal behavior so that you can get advice from an attorney.
Regardless of the financial situation in which you currently find yourself, and even if you are contemplating filing bankruptcy, credit agencies and debt collectors are forbidden from engaging in the above behaviors. These are illegal, and you may be eligible to recover compensation after consulting with a lawyer.
Reach out to our experienced Kansas City attorneys at Patton & Dean, LLC at (913) 203-4786 to request a free initial consultation about your case.