Is it illegal for a debt collector to harass me?

In North Carolina, it is illegal for a debt collector to harass you. The Fair Debt Collection Practices Act (FDCPA) of 1996 makes it unlawful for debt collectors to use abusive, unfair, or deceptive practices when collecting a debt. This means that it is illegal for debt collectors to harass, oppress, or abuse you in any way. This includes threatening actions such as using obscene language, making phone calls that are excessively frequent, or disclosing the debt to third parties. The debt collector must also treat you with respect and not lie about the amount of the debt or threaten to take any action they are not legally allowed to take. If you think a debt collector is harassing you, you may file a complaint with the Consumer Financial Protection Bureau (CFPB) and the North Carolina Office of the Attorney General. You can also sue the debt collector in federal court within one year of the incident with the help of a lawyer. Debt collectors must always comply with the law and treat you fairly. It is important to know your rights so you can take action if a debt collector is harassing you.

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Is it illegal for a debt collector to harass me?

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