Are debt collectors really allowed to do that?
Being contacted by a debt collector can be an extremely disturbing experience, as it is often a sign that you are facing serious financial challenges. And while having any kind of contact with collection agencies can be uncomfortable, you as a consumer can actually find yourself subject to illegal collections practices. That is why it is so important to be able to recognize improper debt collector conduct when it occurs.
The Federal Trade Commission explains that The Fair Debt Collection Practices Act prohibits several forms of misconduct and harassment from collection agencies. For instance, the FDCPA identifies several unfair practices that debt collectors are prohibited from engaging in. For instance, collection agencies are not allowed to cash post-dated checks early. Debt collectors are also not allowed to abuse, oppress or in any way harass you or any third-party connected to your case. Examples of debt-collector harassment include but are not limited to:
- Using offensive and/or obscene language
- Making accusations or threats
- Calling inappropriate locations
It’s also important to note that debt collectors are generally prohibited from contacting third parties more than one time, and only under particular circumstances. Similarly, collection agencies are typically not allowed to discuss your case with other parties.