Category Archives: Creditor Harassment
4 Abusive Debt Collection Tactics That Are Perfectly Legal
It is illegal for creditors to contact you about repayment of debts before 8:00 in the morning or after 9:00 at night. They cannot contact you at your workplace or otherwise publicly shame you about failing to pay money that you owe. They cannot threaten you, curse at you, or call you offensive names. … Read More »
Creditors (And Trolls Impersonating Them) Can Now Contact You On Social Media
Until last month, what was the worst kind of message you could have received on social media? Any message that begins “hey, hun” is pretty bad; although there is probably someone somewhere who talks that way in real life, anyone who begins a Facebook message is probably trying to recruit you into a multi-level… Read More »
Creditors Can’t Send You To Jail, Except When They Can
Many children were first introduced to the concept of jail by the game Monopoly. In Monopoly, you get in and out of jail almost by chance, ostensibly because of a financial misstep or the rectification thereof. In fact, United States law goes out of its way to prohibit the state from incarcerating people for… Read More »
What to Do if a Creditor is Harassing You
Creditors have a legal right to repayment for the loans they make. What they don’t have is a license to harass their debtors. Unfortunately, creditor harassment is very real and can undermine your health, self-esteem, and quality of life. If you are on the receiving end of harassing conduct, we recommend that you follow… Read More »
Debt Collector Tricks and Secrets
If you’ve fallen behind on a debt, then you might start receiving phone calls and letters from collection agents. Many people visibly sweat at the words “debt collector” and for good reason. These folks have developed a reputation for scaring ordinary consumers who have simply run into some financial trouble. The federal government has… Read More »
Should You Pay off Old Debts in Collections?
Many people in Florida have one or more accounts in collections. This happens when their creditor sells their debt to a collection agency, which specializes in getting people to pay up. Your debt will be reported on your credit history as in collection, which should hurt your credit score. You might also be receiving… Read More »