Debt is a reality for many people, either due to miscalculation or unforeseen circumstances they couldn’t anticipate. Responsible debt collection is a legitimate practice used by lenders to acquire what they are owed. However, there are times when debt collectors can cross the line into harassment.
Harassment violates a consumer’s rights and has serious impacts on their mental health. Recognizing the signs of harassment may be the first step to protecting oneself and taking appropriate action.
Excessive and inappropriate contact
Many consumers may not know that debt collectors have no right to contact them at unreasonable hours. Consumers may be experiencing harassment if they are victims of excessive or inappropriate communication. A consumer’s peace should not be disturbed early in the morning or late at night.
Debt collectors should restrict appropriate and respectful communication to the hours between 8 a.m. and 9 p.m. local time. Consumers may want to advocate for their rights if they are receiving:
- Repeated calls throughout the day that are intended to annoy
- Threats through phone calls
- Intimidation from debt collectors
For example, it is a red flag if collectors continue contacting a consumer at their workplace.
Use of threats or abusive language
While debt collectors have the liberty to engage in debt collection, the language they use should not be inappropriate. Consumers may be experiencing harassment if a debt collector uses abusive language, threatening statements or intimidation tactics.
When a debt collector does not treat a consumer respectfully, the consumer can take legal action against the debt collection agency. Some debt collection agencies resort to threatening consumers with arrest, physical harm or legal action. Most of these companies cannot or do not intend to pursue these threats. Other agencies may resort to:
- Making false claims about the amount a consumer owes
- Fabricating illegitimate consequences of not paying
- Pretending to be government officials
All of the above examples are clear violations of a consumer’s rights. Such behavior crosses ethical boundaries and breaches legal standards.
Dealing with debt is stressful enough without enduring harassment from collectors. Knowing the signs of harassment may help empower consumers to stand up for their rights and take the necessary legal steps to protect themselves. Consumers are entitled to fair treatment and respect regardless of their financial situation.
