608 Mabry Hood Road, Suite 202 | Knoxville, Tennessee 37932
Are your creditors allowed to harass you?
Life can be tough when you owe several creditors. Not only do you have to deal with paying your basic monthly bills, which alone can be difficult, but you are also trying to handle the stacks of letters and phone calls coming in from debt collectors. You and other Tennessee residents who are having financial difficulties might be bothered to the point of harassment by creditors. It is important to understand that some common creditor tactics are against the law.
According to the U.S. Federal Trade Commission, debt collection practices that are unfair, deceptive or abusive violate the Fair Debt Collection Practices Act. This law protects you and other debtors from harassment or misleading information from creditors, thereby putting yourself into even further financial and emotional stress. Debt collectors are aware of the law, but unfortunately, some know that not all consumers understand their rights, so creditor abuse is a regular occurrence. Practices that violate the FDCPA may include the following:
Additionally, collectors must not discuss your debt with anyone other than you or your attorney. They may call your relatives only once to attempt to get your contact information, but they may not discuss the matter with them. If you request that your creditors stop calling you or speak only with your attorney from now on, the law requires them to comply.
You may report abusive creditor tactics to the FTC. It may also be beneficial to speak with an attorney if you are dealing with insurmountable debt.
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608 Mabry Hood Road, Suite 202
Knoxville, Tennessee 37932
William E. Maddox, Jr. LLC, Attorney at Law is located in Knoxville, TN and serves clients in and around Knoxville, Oak Ridge, Louisville and Anderson County.
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