Bronson and Migliaccio, LLP
|Address||415 Lawrence Bell Drive|
|CSGA – Columbus, OH|
Debt collectors can be relentless, calling you all hours of the day and night. Contacting your neighbors or relatives. Numerous threatening letters to your home, and even sneakier tactics meant to embarrass you into relenting to their demands. Laws are in place to protect you, the consumer from unscupulous credit collection acts. The consumer protection act provides guidelines and rules that the collections agencies must adhere to. Their failure to do so may put you the consumer, in the position of being able to sue them and collect damages.
Debt Collectors may not use threats against you of violence , or threats of legal action. Debt Collectors are not law enforcement and cannot represent themselves as having the ability to take legal action against you if you do not relent to their demands. They may not use obscene or profane language while talking with you, or anyone that they contact about your case. They are bound by the law to being allowed to contact you by phone only between the hours of 8 AM and 9 PM. There are many more rules that protect you, and you should be aware of your rights as a consumer.
If you feel that a debt collector has gone beyond any of these boundries, you have a right to contact a lawyer who will help you. Under the Fair Credit Reporting Act you have the right to sue if the law was violated by the creditors actions against you.