Debt collection harassment is a common problem in Wisconsin, as thousands of people are harassed by debt collectors who call them at all hours, threaten them with arrest and lawsuits, and even contact their friends, family members, and employers.
While it can be intimidating to deal with a debt collector who is pushing you hard to pay the money you owe on time, debt collection-related laws protect you from abusive tactics that are used, so you must consult with an experienced lawyer like Nathan DeLadurantey right away.
Debt Collection Harassment – What Is It?
Nathan DeLadurantey Debt collection harassment refers to the unlawful practice of using illegal tactics to collect certain debts. These types of collectors may call you at all hours of the day and night, threaten to sue you or put a lien on your property, or even make false promises of settling your debts for less than they’re owed. Debt collection harassment can cause stress and anxiety, but it doesn’t have to be this way.
If You’re Being Harassed By A Debt Collector…
First, don’t give them any personal information over the phone unless they have already sent a written notice stating that they are going to take legal action against you (called an “original demand letter”). If they haven’t sent such a letter, ask them why they aren’t following proper procedure before giving out any personal information.
Also, do not feel pressured into making payments until after consulting with an attorney who can advise whether paying would be wise given the circumstances surrounding your case. Otherwise, making payments could put more money into the hands of scammers who will use those funds for their own questionable purposes.
What Are Your Rights In Terms Of Fair Debt Collection?
Under the Fair Debt Collection Practices Act, you have the right to request validation of a debt. A debt collector must provide you with written proof that you owe money and have the right to collect it. The FTC provides a sample letter that you can use when requesting this information from a debt collector.
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