You may be in a situation where there is some type of debt that is long overdue for payment. The last thing you want to do is hide. If you are aware that a debt collector might contact you about past overdue debts, it is better to answer the phone, get their information and make sure they are a genuine debt collector.
Regardless of whether you owe debt or not, it is also important to note that there are some things that a debt collector cannot do in California, even if you owe thousands of dollars in previous debts. It is completely unacceptable for a debt collector to threaten you with any type of violence or other harm when they are making these calls.
In addition, debt collectors are not able to threaten you with punishments through the law that are not applicable in your case. For example, the vast majority of people who owe money are never in any danger of going to jail. It is not legal for debt collectors to make these threats over the phone or in person. It is better to speak with an attorney if you are the subject of such threats.
Debt collectors are also not allowed to call people early in the morning or late at night. This is done in order to make sure that people are not harassed while they are sleeping or trying to spend some time with their family. A debt collector must never use obscene language on the phone or in person, even if they are upset at your inability to pay your debt.
Repeated calls during a short space of time from the same debt collector is also possibly grounds for harassment. If your phone is ringing for 20 or 30 minutes without any pause, you are being harassed by this debt collector and you need to talk with an attorney.
There are options available to consumers who feel they are being harassed by creditors. SM Law Group can help! Call us today as you may be eligible for monetary compensation.