Debt collection laws in the United States vary from state to state, but they all have certain elements in common. If you have received a letter of demand from a creditor or fear that you will soon be hearing from a creditor, educate yourself about debt collection laws in your state and seek advice from a professional debt relief counseling service before you do anything else. Debt collection agencies will try to lead you to believe that the laws are on their side only, but they are not. Debt collection laws have been constructed to protect consumer’s rights, not just creditors’ rights.
Debt collection laws throughout the country are very specific about ensuring the personal safety of debtors. Debt collectors are not allowed to verbally or physically assault or intimidate you, your family or your friends and associates. Verbal assaults include using loud, threatening or vulgar language. A physical assault is not limited to physical violence – touching you in any manner at all, including a painful, threatening handshake, can be considered a physical assault.
Debt collection laws also specifically forbid harassment of any kind. If a debt collector calls you in the middle of the night, this is harassment. If a debt collector approaches a member of your family and tells them that they will be responsible for your debt if you don’t pay it yourself, it is harassment. If you have been harassed, threatened or intimidated in any way at all, immediately write down the details of the incident in as great detail as you can. If you have witnesses, have them corroborate your story. Then lodge a complaint and seek the services of a debt relief counseling services. Many of these are non profit public services that can advise you further about debt collection laws and ways to resolve your credit difficulties.
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