When New Jersey residents end up in debt, it is for a variety of reasons. No matter what those reasons are, protection from harassment by creditors exists. But not all creditors will heed the law. They may try to harass you anyway.
Today we will look at what debt collector harassment is. We will also look at ways to end this harassment.
What is creditor harassment?
The Consumer Financial Protection Bureau discusses harassment by creditors. The Fair Debt Collection Practices Act (FDCPA) eliminates harassment by creditors and collectors. Under this act, creditors and collectors cannot oppress, abuse or harass you. Examples of that behavior include:
- Using profane or obscene language
- Calling you many times without identifying themselves
- Threatening you with violence or harm
- Publishing public lists of people who have not paid their debts
In some cases, it is easy to tell that you are being harassed by creditors. In other cases, they may use subtle tactics that make it difficult to see they are harassing you. It is important for you to understand what harassment looks like.
Handling creditor harassment
So what do you do if you discover a creditor is harassing you after all? There are many steps you can take. But one of the most efficient ways is by filing for bankruptcy. Not only does this give you a way of handling your debt, but it also bars creditors from contacting you at all. Most creditors take these orders seriously, as they can get into big legal trouble if they do not. If you are looking for relief from debt and collection agencies, this option may suit you.