Debt Collector Harassment in Alaska
Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Alaska there are two things to consider when thinking about debt collection: harassment and misrepresentation. The presence of either of these things constitutes debt collector harassment and may require you to take legal action against the collector.
Debt Collector Harassment in Alaska
According to Alaska’s Consumer Protection Unit, harassment by debt collectors can take many forms in the state. For example, debt collectors may abuse, threaten violence, use obscene language, or repeatedly call you with the intent to harass or annoy you. Additionally, if a debt collector contacts you at work, or before 8 am and after 9 pm, that may also be considered harassment. Stating or implying that your non-payment of any debt will result in imprisonment or criminal charges may also be harassment.
If you are a victim of any of these examples of harassment, you may have a right to sue the debt collector for violations of the Fair Debt Collection Practices Act (FDCPA). An experienced Alaska attorney can help you identify your options and build a strong case.
Misrepresentations
Misrepresentations by a debt collector refer to someone making false claims or accusations or using false, deceptive, or misleading practices. This also includes misrepresenting any debt you may have. See some examples of this and other illegal debt collection practices below:
- The amount of money you owe
- False threats saying they will have you arrested
- Saying they are an attorney if they aren’t one
- Threats to do something that the debt collector has no intention of doing
- Threats to take actions that are not within the confines of the law
If you think any Alaska debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney who understands debt collector law.
Who Are Debt Collectors?
Most people don’t know what a debt collector is until they have one incessantly calling them about paying off debt. So, who are debt collectors? Who do they work for?
Collectors come from a debt collection agency that works with creditors who are owed debts. If you have outstanding debt in Alaska , such as credit debt, unpaid loans, and personal loans, your creditor may contact a debt collection agency. This agency then assigns a debt collector to your case.
The Better Business Bureau keeps a list of accredited and non-accredited collection agencies in Alaska including:
- Financial Collection Agency of Anchorage, Inc.
- Cornerstone Credit Services, LLC
- Personal Collections of Alaska.
- Associated Credit Agency, Inc.
What Should You Do If You’ve Been Harassed By a Debt Collector In Alaska?
Step 1: Know Your Rights
If you think Alaska debt collectors are harassing you, then it’s important to become familiar with the basics of the Fair Debt Collection Practices Act. The FDCPA was passed in 1977 to protect consumers from collection agencies. If a debt collector violates any of the harassment or misrepresentation rules, the victim has a right to sue the collector for violation of the FDCPA.
Step 2: Collect Records
If you’ve been harassed in Alaska by a debt collector, it’s important to gather evidence. According to the Consumer Financial Protection Bureau, you should document all contact and harassment. Specifically, you should save voicemail messages, answering machine messages, and text messages and print copies of emails. Additionally, you should always get the name and employee ID of the person calling, and the time of the call. As well, as keeping a record of what was said. If you are certain the debt collector is calling from within Alaska, you may be able to record the phone conversation, since Alaska is a one-party consent state.
Step 3: Remain Calm and Act Deliberately
Dealing with an aggressive debt collector can be frustrating and emotionally draining, but reacting impulsively can harm your case. Instead, stay calm and approach the situation thoughtfully. Remaining composed not only helps keep your stress in check but also strengthens your position if the matter goes to court. By maintaining respect and professionalism, you can demonstrate that the debt collector, not you, engaged in abusive behavior.
Step 4: Ask for Debt Verification
If you’re constantly getting phone calls from Alaska debt collectors harassing you about what you owe, you need to ask for debt verification. Not only will this show whether or not they are misrepresenting your debt, but the debt collector must also stop contacting you until they provide the information you requested. Debt verification should show the amount of debt you owe and the name of the creditor. You have 30 days to dispute the validity of the debt. If you don’t dispute the debt, the creditor will assume the debt is valid.
Step 5: Contact an Attorney
If you’re the victim of debt collector harassment, it’s time to stand up and fight back. You deserve to live a life free from abusive and repetitive phone calls. Alaska attorneys who understand what to expect when suing for debt collector harassment, and local debt collection laws, can help you make this possible. If the debt collector threatens to or does take legal action regarding your outstanding debts, working with an attorney becomes even more important.
Step 6: Present Your Case
By hiring an experienced Alaska debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.
According to the Alaska Courts, your lawsuit may begin in Small Claims Court which has jurisdiction up to $10,000. Alternatively, you may file with the District Court which has jurisdiction for claims up to $100,000. Keep in mind, due to a statute of limitations, you only have one year from the time the debt collector violated the law to sue for damages. According to the Federal Trade Commission, you could be awarded up to $1,000 and be reimbursed for attorney fees and court costs, even if you can’t prove damages. If you can prove damages, such as lost wages or medical bills, you might even potentially be awarded more.
Work With an Experienced Alaska Debt Collector Harassment Lawyer
If you’ve experienced debt collector harassment in Alaska, it’s time to put an end to it so you can move forward with life. There are laws in place to protect consumers from debt collectors. Legal assistance can help you to navigate these complex laws and defend yourself in court, if necessary.
Are you ready to find a debt collector attorney near you so you can finally fight back against the harassment? We can even help you connect with an attorney across Alaska state lines.
Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!
About the Author
Aaron is a professional legal writer with a B.S. in English Education from Southern Illinois University – Carbondale. He has written, published, and edited thousands of legal articles for RequestLegalHelp, which has connected over 5 million people to legal help in the United States.
With over five years of experience writing thousands of legal articles for law firms across the U.S. and Canada, Aaron specializes in covering federal, state, and city-level legal issues ranging from auto accidents to wrongful terminations.
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