Are Your Creditors Harassing You?
Updated: Feb 23
Filing for Bankruptcy will protect you from creditor harassment as soon as your case is filed in the Bankruptcy Court. In the meantime, here are some helpful tips to protect yourself.
Get it in writing.
If the debt collection company first contacts you by phone, insist that they contact you in writing going forward. Do not give your personal or financial information to the caller until you have confirmed they are a legitimate collection company. Believe it or not, there are a lot of scams out there, seeking to take advantage of your misfortunes by posing as a "debt collection company" in an effort to obtain your personal information.
To find out if you are speaking with someone from a legitimate collection company, ask them for the following information:
· Name, address, and phone number of the company;
· The amount of the debt they claim you owe;
· What the debt is for and when it was incurred;
· The name of the original creditor; and
· Information about whether you or someone else owes the debt.
In addition, if you are already working with an attorney at the time, give the caller your attorney's contact information, instruct them to call your attorney, then hang up the phone and tell your attorney right away.
Don't let your creditors fool you.
Another piece of information you should know as a debtor is that debt collectors are not allowed to engage in certain activities in their efforts to collect a debt from you. Otherwise, they face serious consequences. Some of the activities creditors are not allowed to do or say to you are the following:
· Threaten or harass you;
· Lie to you, or falsely claim you have committed a crime;
· Threaten you with an arrest or some other legal action, if you don't pay a debt;
· Use a false company name;
· Contact you at odd hours (before 8:00 a.m. and after 9:00 p.m., your local time), or during hours known to be inconvenient to you; and
· Use other deceptive practices in their efforts to collect a debt.
If any of these activities are happening to you, contact this office right away.
Michelle Patterson Law
p: (619) 630-5282