Have you ever felt harassed by a debt collector? If so, you’re not alone. According to a report by the Consumer Financial Protection Bureau (CFPB), nearly one in four consumers felt threatened by a debt collector. The relentless calls and aggressive tactics can make life unbearable. But did you know you have rights that protect you from these practices? Understanding these rights is crucial to stopping debt collectors from crossing the line.

At the Law Office of Joel Gonzalez, we understand the stress that comes with persistent debt collectors. Our mission is to help you stop debt collection harassment and regain control of your life.

In this blog, we will outline your rights under the Fair Debt Collection Practices Act and offer practical tips for dealing with aggressive collectors. Let’s get into it.

Your Rights Under the Fair Debt Collection Practices Act

The Fair Debt Collection Practices Act was established to protect consumers from unfair, deceptive, and abusive debt collection practices. Here’s what you need to know:

• Communication Limitations: Debt collectors are restricted in how and when they can contact you. They cannot call you before 8 a.m. or after 9 p.m. unless you agree. Also, if you inform them in writing that you do not wish to be contacted further, they must stop.
• Harassment Prohibited: Harassment is strictly forbidden under the FDCPA. This includes repeated calls intended to annoy, abuse, or harass you. Debt collectors are also not allowed to use threats of violence, obscene language, or publish your name as someone who refuses to pay debts.
• False Representation: Debt collectors cannot lie or mislead you about the amount you owe. They are also prohibited from claiming to be attorneys or government representatives if they are not, or threatening legal action that they cannot or do not intend to take.
• Validation of Debt: If you request it, a debt collector must provide you with validation of the debt, including the amount owed and the name of the original creditor. This request must be made within 30 days of their first contact.

Practical Tips for Dealing with Aggressive Debt Collectors

Knowing your rights is only the first step. Here are some practical tips to help you stop debt collectors from overstepping their boundaries:

• Document Everything: Keep records of all communications with debt collectors, including dates, times, and the nature of the conversations. This can be vital evidence if you need to take legal action.
• Send a Cease and Desist Letter: If you want the calls and letters to stop, you can send a written request to the debt collector. Once they receive this letter, they are only allowed to contact you to confirm they will stop or to notify you of a specific action, such as filing a lawsuit.
• Know When to Seek Help: If a debt collector violates your rights, it may be time to consult with a debt collection relief attorney in Texas. An attorney can guide you through the process of filing a complaint and, if necessary, suing the debt collector.

Stand Up for Your Rights

Are you tired of the harassment and stress caused by persistent debt collectors? We can help you stop debt collectors and reclaim your peace of mind. The Law Office of Joel Gonzalez specializes in protecting consumers from unlawful debt collection practices.

We understand the laws and know how to hold collectors accountable. If you’re facing a debt collection lawsuit in Corpus Christi, contact us today. We’ll help you navigate this challenging time with confidence and ensure your rights are protected.

Don’t let aggressive debt collectors control your life. Know your rights, take action, and let us help you find the relief you deserve.