Pittsburghers who find themselves in overwhelming credit card debt they are unable to pay might be under the impression that they have put themselves in that position and they deserve whatever punishment they get. That can include simply accepting debt collectors calling at all hours and harassing them. However, simply being in credit card debt does not mean that a person should be subjected to abuse and face legal violations. Understanding what debt collectors are not allowed to do regarding a debt based on the Fair Debt Collection Practices Act when communicating with the debtor is imperative to put a stop to the behavior and a legal professional experienced in helping people with their debt problems is key to this.
The debt collector cannot communicate with a debtor at unusual times or places where it is known to be inconvenient. Unless there is knowledge otherwise, that means the collector should function under the assumption that there should be no calling before 8 a.m. and after 9 p.m. where the debtor is located. If the debt collector is aware the debtor has legal representation and knows how to get in contact with that legal representative, the legal representative should be called instead of the debtor unless there has been a reasonable and unsuccessful attempt to contact the attorney. The debt collector cannot call the debtor at his or her place of employment if it is known such calls are prohibited from the employer.
Debt collectors cannot contact third parties regarding any debt. The only people who can be contacted are the debtor, the attorney or a consumer reporting agency. If the debtor informs the debt collector in writing that he or she wants communication to stop, the collector cannot contact the debtor except to say the efforts to collect the debt are stopping, to tell the debtor that other remedies will be taken, or to inform the debtor that there will be a specific remedy taken.
FDCPA provides a debtor certain protections with credit card debt or any other kind of debt. However, invoking this when not having a comprehensive plan to clear the debt is often a stopgap solution. Bankruptcy is a beneficial strategy to completely clear the debt. It is legal and can help a debtor get back on stronger financial ground and stop the harassing phone calls and letters once and for all. When dealing with credit card debt, creditor harassment and not knowing what tomorrow will bring, calling a law firm that is experienced in helping consumers get out of debt permanently can help with most situations.