What can I do if a collector is harassing me?

If you live in South Carolina and are being harassed by a debt collector, you have rights under the Collection Defense Law. This law provides protection for consumers from unfair and deceptive debt collection practices. The law prohibits collection agencies from using excessive or aggressive language to collect debts. This includes using profane or insulting language, false statements about the amount owed, and threats of criminal prosecution. In addition, the law states that debt collectors cannot call you at unreasonable hours, such as before 8 am or after 9 pm. If you feel you are being harassed by a debt collector, you can file a complaint with the South Carolina Department of Consumer Affairs. This department enforces state consumer protection laws, including the Collection Defense Law. You may also choose to seek legal advice. A qualified attorney can help you determine if you have grounds to sue the debt collector for violating the Collection Defense Law. Your attorney can also provide advice on strategies for dealing with debt collectors. Ultimately, the best way to protect yourself from unfair or abusive debt collection practices is to be aware of your rights and act quickly if you feel a collector has gone too far. Under the Collection Defense Law, debt collectors must adhere to strict rules designed to protect consumers from abusive practices.

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What can I do if a collector is harassing me?

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