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Protecting Your Rights Against Abusive Debt Collectors
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Problems with Debt Collectors in Philadelphia

Debt Collection Abuse in Pennsylvania

Falling behind on payments of any type is not an easy thing to work through. Most people do not purposefully fall into unmanageable debt, but find themselves in the position after an economic hardship or an employment complication. The problem of being in debt can be greater if the collection agency one is forced to deal with is not only not understanding but unnecessarily intimidating

Fortunately for consumers in the United States, there are guidelines that must be followed by debt collectors when going about the task of collecting payments. These guidelines, set forth by the Fair Debt Collection Practices Act of 1977 and enforced by the Federal Consumer Protection Agency, were implemented because debt collectors have a tendency to resort to threats and harassment as a means of compelling payment.

Problems that consumers may experience with collection agencies include:

  • Repeated phone calls
  • Phone calls at improper hours of the day (i.e. before 8:00 AM or after 9:00 PM)
  • Refusing to identify themselves
  • Calling even after consumer requests to stop the calls
  • Threatening one's property or reputation
  • Threatening to advertise one's debts
  • Making false statements about the person's debt
  • Falsely implying that they are legal authorities with ability to punish
  • Threatening or implying that refusal to pay will result in legal action and/or punishment

As extreme as some of these may seem, many people have experienced these and still other difficulties with debt collectors and collection agencies. The collectors' disregard and abuse of consumer rights indicates that there is little some of them wouldn't do in order to collect a payment.

Dealing with Problematic Debt Collectors in Philadelphia

A debt collector may make it seem as though a consumer has little control or options over the situation. They may try to make it seem as if they are in control because they are the creditors. That, however, is yet another problematic scare-tactic. Consumers do have options, including the ability to request that the debt collector stop calling them.

Most importantly, people dealing with problematic debt collectors have the right, which they should utilize, to contact a debt collection defense attorney in Philadelphia. This will help them better understand their rights and options for dealing with debt collection. At the Law Office of Michael P. Forbes, PC, our mission is to ensure that your rights under the FDCPA are respected by debt collectors no matter how large or small your debt may be. Our Philadelphia debt collector defense attorneys help clients fight debt collection abuse by reporting unfair practices, stopping harassment and even proving representation in the event of a collection lawsuit. Contact our office today to discuss your situation with a member of our legal team and learn more about how we may be able to help you!

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The Law Office of Michael P. Forbes, PC - Philadelphia Debt Collection Defense Attorney
Located at 200 Eagle Road, Suite 50 Wayne, PA 19087. View Map
Phone: (610) 991-3321 | Local Phone: (610) 293-9399.