What is debt collection harassment?

Debt collection harassment is a type of illegal behavior by debt collectors in attempting to collect a debt. In California, debt collection harassment is illegal and can be enforced by the state and federal governments. Debt collection harassment is any type of behavior by a debt collector that crosses the boundaries of what is legal. This can include calling repeatedly, using offensive language, threatening physical harm or imprisonment, making false statements, and misrepresenting the amount of a debt owed. It is important to know that debt collectors are limited in what they can do while attempting to collect a debt. They may not contact you between the hours of 9pm and 8am or make contact with you in any way that is harassing or abusive. Additionally, creditors may not call at work if you have asked them not to, use false or misleading information, or threaten to take action that they do not intend to take. It is important to know your rights if you find yourself being harassed by debt collectors. You have the right to file a complaint with your state’s attorney general and with the Federal Trade Commission. Additionally, any attempt made to collect a debt that is not yours is illegal and you can sue the debt collector. If you believe you are the victim of debt collection harassment, it is important to keep copies of all letters, emails, or phone conversations related to the debt. Having proof of harassment is critical when filing a complaint.

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What is debt collection harassment?

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