What Are the Most Common Examples of Debt Collection Abuse?

person counting money

Owing a debt can be stressful. Fortunately, there are several rules and regulations in place that govern exactly how creditors and debt collectors can pursue debts from those they believe owe them money. That said, it is not uncommon for these parties to violate these rules and pursue a debt in an illegal or unethical manner. This is known as debt collection abuse. If you believe you are a victim of debt collection abuse, our legal team is here to fight for you. Please continue reading and reach out to a seasoned New York City debt collection harassment lawyer from Rahman Legal to learn more about whether you may have a valid claim against a debt collector and how our firm can help. Here are some of the questions you may have:

What constitutes debt collection abuse?

The Fair Debt Collection Practices Act sets forth a body of laws regarding what is considered appropriate, and inappropriate when it comes to the way in which collection agencies pursue debts. Just some of the most common ways in which debt collectors will violate the law and partake in abuse or harassment are as follows:

  • Calling about a debt allegedly owed at odd hours of the night or very early in the morning
  • Calling a person’s employer regarding a debt they owe
  • Frequent and repeated phone calls during the same day
  • Vehicle repossessions without adequate notice
  • Using deceptive or misleading practices to collect a debt
  • Alleging a person owes a debt that they, in fact, do not
  • Calling family members about a debt
  • Making unlawful foreclosure notices or threatening to foreclose on a person’s home unlawfully
  • Collecting more than what you actually owe
  • Pretending to be affiliated with the government or a law enforcement agency

All of the aforementioned are considered forms of debt collection abuse, and you should understand that if you are a victim, you are protected under the law.

What should I do if I believe I am a victim?

If a debt collector has violated the FDCPA, the first thing you should do is retain the services of a seasoned attorney who can help determine whether a violation has truly occurred, and, from there, pursue the justice you deserve and file a lawsuit against the harassing entity. Rahman Legal has decades of experience representing clients in your position, and we are prepared to represent you as well. Contact us today so we can get started working on your claim.

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