When you owe money, receiving calls from debt collectors can be stressful and intimidating. However, it’s important to remember that you have rights.
Debt collectors are regulated by specific laws designed to protect you from abusive, unfair, or deceptive practices. Understanding these limitations can empower you to recognize when a debt collector crosses the line.
Keeping all of this in mind, here are key red flags indicating that a debt collector is violating your rights. Harassing or Threatening You Debt collectors may not threaten violence, use obscene language, or repeatedly call to annoy or harass you.
While they can contact you to collect a legitimate debt, there’s a fine line between assertive collections and harassment. If a collector continuously calls after you’ve asked them to stop or uses threatening language, they’re breaking the law.