Debt Collector Harassment in Lexington, KY

Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Lexington, Kentucky 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 Lexington, Kentucky

Lexington residents dealing with debt collectors may encounter harassment from an individual or institution. According to Credit Defense Kentucky, a creditor cannot claim to be with a government agency, use profane language, disclose debt information to a third party, or call you past 9 p.m. Any such behavior constitutes harassment and you are well within your rights to have it stopped, by the courts if necessary.

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 Lexington attorney can help you identify your options and build a strong case.


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 Lexington, KY debt collectors may have misrepresented themselves to you, it’s important to remember that you have options. Get in contact with an attorney that 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 Lexington 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.

When facing outstanding debt you could hear from a collection agency such as National Patient Account Services, CHECKredi, or Core Recoveries LLC. The Better Business Bureau offers a list of accredited collection agencies in the Lexington area.

What Should You Do If You’ve Been Harassed By a Debt Collector In Lexington, Kentucky?

Step 1: Know Your Rights

If you think Lexington 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

Have you been harassed in Lexington, KY by a debt collector? If so, it’s important to begin to gather evidence.

When dealing with harassment from creditors it is important to save certain documents to present to the court. You should attempt to keep a copy of all written correspondence between you and the collection agency, this includes e-mails. Obtain phone records to show the frequency of calls, and keep a record of your payments. It’s also important to send a Stop Contact letter to the debt collector, and keep a copy of this letter for yourself. In addition, you should send the letter by certified mail and keep a receipt. KYJustice provides a form for Stop Contact letters that you can use.

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Lexington debt collector, it’s easy to get angry and act impulsively. Unfortunately, this can cause you to say or do something detrimental to your case. Instead, try to remain calm and make all your actions deliberate and well-thought-out. Not only will this be better for keeping your stress levels low, but it will prove helpful if you go to court. You can show that you were respectful and calm while the debt collector was the one using abusive language.

Step 4: Ask for Debt Verification

If you’re constantly getting phone calls from Lexington, KY 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. Lexington attorneys that understand What to Expect When Suing for Debt Collection 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 Lexington, KY debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

The Federal Trade Commission states that a resident of Lexington has 1 year to file a lawsuit against a debt collector engaging in harassment. You’ll need to file the lawsuit in either a state court, such as the Fayette County Court of Justice, or a federal court, like the U.S. District Court for the Eastern District of Kentucky. If you’ve lost wages due to harassment, you’ll be able to sue for those damages. If you can’t pursue damages, a judge may still award you $1,000 and force the collection agency to pay the court fees and the attorney fees. An experienced Lexington attorney can help.

Work With an Experienced Lexington, Kentucky Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Lexington, KY 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 Kentucky 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!

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