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How can I stop creditor harassment?

Struggling with a serious amount of debt or financial hardship is an unfortunate problem for anyone to have. This problem is often exacerbated by the fact that when you owe an extreme amount of money, the creditors to whom you owe the money will likely be doing all that they can to ensure you pay. This can include constant phone calls or spam mail that makes you scared to contact anyone for fear that you may have to face these aggressive creditors.

Fortunately for individuals who find themselves in such debt, there are legal protections and options in place in order to ensure the issue is manageable. The Fair Debt Collection Practices Act exists to ensure that consumers are not subjected to unlawful harassment. However, exactly what constitutes as unlawful or illegal harassment can be very difficult to determine. The line between pursuing debt collection and harassing debtors can be very fine.

Under the FDCPA, debt collectors have very specific requirements when they are attempting to collect debts, including identifying themselves during correspondence, providing verification of the debt and more. In addition to these specific requirements, collectors are also prohibited from other activities, such as calling at unreasonable hours, continuously calling specifically to annoy the debtor, actively deceiving the debtor and more.

If your financial situation is simply too dire, and you cannot seem to escape from creditor harassment, it is highly recommended that you meet with a bankruptcy attorney. In many states, including Texas, bankruptcy protection extends to creditor harassment, ensuring that you are given peace of mind as you and your legal aid navigate your bankruptcy proceedings to help you get back to a fresh financial start.

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