Knowing your rights is the first step to end the harassment. A debt collector is not allowed to do the following:
Debt collectors are not allowed to call before the hours of 8 am or after 9 pm.
It is illegal to say that they are law enforcement, or to say that they are a lawyer, if they are not.
They are not allowed to call repeatedly during a small time period, or to let the phone ring for an extended amount of time.
Debt collectors cannot call you at work if you have requested that they do not.
They are not allowed to threaten to arrest you or threaten you with physical harm of any kind.
It is against the law to threaten to garnish your wages or place a lien on your property unless they are actually within legal means to do so.
They may not use abusive language or swear words while communicating.
Debt collectors are not able to report false information on a consumer’s credit report, or threaten to do so.
Putting a stop to the calls
It can be a frustrating experience to deal with debt collectors. One of the ways to end creditor harassment and collection activities is to file for bankruptcy. Once you have filed, the collection agencies must cease all collection activities. Contact the Georgia bankruptcy attorneys at King & King for a free consultation to learn more about your rights and to discuss your legal options. 404-524-6400