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Debt Collectors: How Far Can They Go?

Facing a mountain of debt means many areas of your life are uncertain. You may find you are not yourself, and your emotions become unpredictable as your situation worsens. Work may suffer, and your home life may become tense.

It certainly doesn't help when your creditors constantly remind you of your unpaid obligations. Phone calls, voicemails, emails, texts and letters are some of the means a creditor may use to keep your debt in the front of your mind. There are federal laws protecting you from unfair debt collection methods, but how do you know when creditors cross the line into harassment?

The law protects you

Did you know your debts have a statute of limitations? If you haven't paid on a loan or debt and the expiration date passes, creditors can still try to get payment from you, but they can't sue you. They can, however, put legitimate pressure on you to repay the money. Creditors are allowed to call you frequently - even daily - to remind you of what you owe. As long as the debt has not expired, creditors can file lawsuits with the court for wage garnishment or other methods of debt collection.

However, a creditor steps over the line by doing any of the following:

  • Threatening you or using obscene language
  • Calling you repeatedly during the day or outside the permitted times between 8 a.m. and 9 p.m.
  • Claiming you owe something you don't, usually based on inaccurate information
  • Having you arrested for nonpayment, unless you defy a New Jersey court order to show up in court for a lawsuit
  • Making your debt public by publishing it or visiting your workplace

Your creditors may call you at work unless you specifically tell them not to. When they do call, they may not identify themselves to your coworkers as debt collectors.

Make it stop!

Even when debt collectors and creditors obey these laws, their constant presence in your life is uncomfortable, to say the least. You may feel as if they are watching you when the phone rings just as you walk in the door from work. It may seem like there is no time or place when you are free from the burden of your debt. Even when you are safe in bed, the uncertainty of your future may haunt you.

To find relief, you have the option of seeking help from a caring and dedicated professional. There are many options available to people like you who are fighting to get free from their debt burdens. Taking advantage of these options may provide you with hope for a future free from the distractions of debt.


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  • NACBA | National Association of Consumer Bankruptcy Attorneys
  • NACA | National Association of Consumer Advocates
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Goldman & Beslow, LLC

Goldman & Beslow, LLC is a Federal Debt Relief Agency by an Act of Congress. We have proudly assisted consumers seeking relief under the U.S. Bankruptcy Code for over 38 years.

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7 Glenwood Avenue,
Suite 311B
East Orange, NJ 07017
East Orange Law Office

Phone: 973-414-8069
Phone: 973-419-7631
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
Fax: 973-675-5886
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NEWARK OFFICE 168 Bloomfield Avenue
Newark, NJ 07104
Newark Law Office

Phone: 973-483-1333
Phone: 973-419-5266
Phone: 201-205-2496
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PATERSON OFFICE 100 Hamilton Plaza,
Suite 405
Paterson, NJ 07510
Paterson Law Office

Phone: 973-247-9445
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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JERSEY CITY OFFICE 26 Journal Square,
Suite 603
Jersey City, NJ 07306
Jersey City Law Office

Phone: 201-659-6226
Phone: 973-419-5266
Phone: 201-205-2496
Toll Free: 888-827-5493
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