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Most people can understand that the timely paying of bills is not always possible. For whatever reason, it is not uncommon that consumers fall behind on paying monthly bills. If we go for months without paying a certain creditor, we may, however, be turned over to a collection agency. Once our account has been turned over, those annoying phone calls begin and will not end until the debt is paid or some payment arrangement is made. When the debt collector, however, uses his “power” to make an already bad situation worse, the consumer’s difficult predicament is only made worse.
A debt collector does have guidelines that must be followed. Calls cannot be made to a person too early in the morning (before 8:00 AM), or too late at night (after 9:00 PM). Calling once or twice a day is not considered extreme (although it probably seems that way to the poor person who is getting the call), but six or more times a day probably is too many and can be considered abusive.
A debt collector or debt collection law firm cannot call you at work once you have told them you cannot accept such calls during business hours. If you tell a collection agency to not contact you at work and you continue to receive calls, abuse has occurred.
Additionally, debt collectors cannot use obscene or threatening language; they cannot misrepresent who they are (in other words, a debt collector cannot tell you the call is from an attorney’s office unless an attorney’s office is actually calling). The person being called must immediately be informed that he or she is talking to a collection agency representative.
These are only a few of the examples of collection agency abuse. The lawyers at Jacoby & Meyers will be glad to give you further information that will help you to determine if you are a victim of collection agency abuse.
Once you have received this information, if you see that you are indeed being subjected to collection agency abuse, we urge you to contact our offices immediately. No matter what happened to cause you to have to start receiving calls from a collection agency, you still have legal rights.
More importantly, you still have the right to be treated in a courteous, professional manner. That’s where we, the attorneys at Jacoby & Meyers, come in. When you contact us, we will strive to make you feel at ease and to alleviate some of the tension you may be experiencing as a result of having been exposed to collection abuse. We will explain the steps you need to take to document the abuse and will then explain what we can do to help you once we receive the necessary information.
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