What should I do if I’m being harassed or threatened by a debt collector?

If you are being harassed or threatened by a debt collector in North Carolina, it is important to take action. Depending on the severity of the harassment or threats, you may want to contact law enforcement for assistance. In North Carolina, debt collectors must follow the Fair Debt Collection Practices Act, or FDCPA. This act protects consumers from harassment, abuse, and deceptive tactics by debt collectors. It states that debt collectors may not threaten, intimidate, or use profane language when communicating with a debtor. If you believe a debt collector in North Carolina has violated the FDCPA, you may file a complaint with the Consumer Financial Protection Bureau. The CFPB enforces the FDCPA and can investigate the debt collector and take action against them, if they are found to be in violation of the law. You should also consider speaking to a consumer protection lawyer in North Carolina. An attorney can review your case and help you figure out what steps to take next, such as filing a lawsuit to stop the debt collector’s collection efforts or to obtain monetary damages from the debt collector. Overall, it is important to take action if you believe a debt collector in North Carolina is harassing or threatening you. Take steps to protect yourself and your rights under the law.

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What should I do if I’m being harassed or threatened by a debt collector?

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