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Debt Collector Harrassment

The Fair Debt Collection Practices Act (FDCPA) prevents debt collectors from harassing you and calling you outside normal business hours.  While the law gives you some rights, it does not give you the right to avoid your debt.  The FDCPA covers only personal and household debts, but not business debts.  Typical personal debts are vehicle loans and credit card debts.

Debt Collector Harassment Is Against The Law


Debt collectors, otherwise known as bill collectors or collection agencies, cannot harass or abuse you, nor can they engage in deceptive or unfair practices in their attempt to collect the debt.  If a bill collector calls you before 8 a.m. or after 9 p.m., you can write a letter telling the bill collector to stop.  It is a good idea to send the letter by certified mail and to keep a copy of the letter.  Once the debt collector receives your letter, the debt collector must stop calling you outside the hours of 8 a.m. and 9 p.m., but can continue to call you between those hours.

Calling You At Work Is Not Necessarily Debt Collector Harassment 


A debt collector can call you at work.  If your employer does not allow such calls, you can tell the debt collector that you are not allowed to receive debt collection calls at work.  While you can do so by phone, it is a good idea to do so by certified letter.  Upon receiving this instruction, the debt collector must stop calling you at work.

Lying To You Is Debt Collector Harassment 


Can a debt collector lie?  No.  They cannot pretend to be someone else.  They cannot threaten to put you in jail.  Such tactics are violations of the FDCPA.  Fighting against a violation of the FDCPA starts with your actions.  You can contact the Federal Trade Commission or the Ohio Attorney General’s Office.  You may also hire an attorney to handle the debt collector harassment case.  If you win, you have the right to make the debt collector pay your attorney fees.

Here is some useful debt collector harassment contact information:


Federal Trade Commission (1-877-382-4257).

Ohio Attorney General’s Office (1-614-466-4320)

Federal Reserve Board

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To read more, take a look at some of my other articles: no more debtors’ prison in Ohio, bankruptcy is in the constitution, save your home from foreclosure, can you lose your home in bankruptcy, Ohio legislature passes law to protect homes., and can you go to jail for not paying payday loans. I have successfully handled the bankruptcy needs for my clients, including the more complicated ones, as set forth in the case highlights section. Daniel Gigiano’s work has resulted in positive Daniel Gigiano ratings and reviews of Daniel Gigiano.

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Attorney Gigiano is an experienced Medina County civil lawyer in Wadsworth and Orrville bankruptcy attorney in Medina County.  If you have questions about this or other questions you need answered by an experienced Wadsworth lawyer in Medina County, please call Attorney Daniel F. Gigiano at 330-336-3330.