If you are struggling with debt, you may be facing constant calls from debt collectors who want to pressure you into paying them. These calls can be annoying, stressful, and even abusive. You may wonder if there is a limit to how many times a debt collector can call you in a day, and what you can do to stop them. The good news is that there is a federal law that protects you from unfair and harassing debt collection practices. It is called the Fair Debt Collection Practices Act (FDCPA), and it applies to third-party debt collectors who are trying to collect debts on behalf of someone else, such as a credit card company, a medical provider, or a student loan lender. If you believe you are currently being harassed by a debt collector, you need a competent New York City debt collection harassment lawyer in your corner who can help advise you of your rights and fight against harassing debt collectors. Fortunately, you are in the right place. Continue reading and reach out to Rahman Legal to learn more. Here are some of the questions you may have:
How Many Calls Constitute a Violation of the FDCPA?
The FDCPA does not specify an exact number of calls that a debt collector can make in a day. However, it prohibits debt collectors from contacting you at inconvenient times or places, such as before 8 a.m. or after 9 p.m., or at your workplace if they know your employer does not allow it. The FDCPA also forbids debt collectors from engaging in any conduct that is intended to annoy, harass, or abuse you or any person they contact about your debt. This can include the following:
- Calling you repeatedly or continuously with the intent to annoy, abuse, or harass you or any person at the called number.
- Using obscene or profane language.
- Threatening to harm you or your reputation.
- Falsely claiming to be a law enforcement officer or a government official.
- Lying about the amount or legal status of your debt.
- Trying to collect fees or charges that are not authorized by law or your agreement.
If a debt collector violates any of these rules, they may be breaking the law and you may have the right to sue them for damages. Reach out to Rahman Legal so we can take a look at your case and begin devising a strategy on your behalf.
How Can a Lawyer Help Stop Debt Collector Harassment?
One of the best ways to stop debt collector harassment is to hire a lawyer who specializes in consumer protection law. A lawyer can help you combat debt collection harassment by:
- Sending a cease and desist letter to the debt collector, which will stop them from contacting you unless they are taking legal action against you.
- Negotiating with the debt collector to settle your debt for less than what you owe, or to set up a payment plan that works for you.
- Defending you in court if the debt collector sues you for the debt.
- Suing the debt collector for violating the FDCPA and recovering compensation for your damages, such as emotional distress, lost wages, and attorney fees.
Rahman Legal is a New York City consumer law firm that has experience in dealing with debt collectors and can effectively protect your rights. Do not let a debt collector take control of your life. Contact Rahman Legal today so we can get started fighting for you. We are on your side, and will be, every step of the way.