Can I sue a debt collector for harassment?
Yes, you can sue a debt collector for harassment. Under Maryland collection defense law, debt collectors are prohibited from harassing, oppressing, or abusing a debtor. This includes, but is not limited to, the use of obscenities, repeated demands for payment, or threats of violence. If a debt collector is found to be harassing you, you may sue the debt collector in civil court. In order to make a successful case for harassment, you must show evidence that the debt collector has engaged in prohibited conduct. This includes submitting a copy of the violation, such as a letter or voicemail from the debt collector, as well as any records of payments made. Additionally, you may need to provide copies of emails, text messages, and other types of communication between you and the debt collector. These documents will help prove that the debt collector was engaging in prohibited activities. If a court finds in your favor, you may receive an order requiring the debt collector to cease all such activities. Additionally, the court may award you monetary damages for your emotional distress and any other damages caused by the debt collector’s actions. It is important to remember, however, that the burden of proof lies with you, so make sure to document any and all communications with the debt collector.
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