Debt Collector Harassment in Manchester, NH
Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Manchester, New Hampshire 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 Manchester, New Hampshire
Manchester residents are protected from debt collector harassment by both state and federal laws. Although federal laws apply only to third-party debt collectors, New Hampshire law also applies to the original creditor. Some of the prohibited actions under both laws include:
- Using obscene or abusive language
- Threatening criminal action or harm to person, property, or reputation
- Calling at unusual or inconvenient times
- Misrepresenting who they are, information about the debt, or actions they are going to take
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 Manchester 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 Manchester, NH 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 Manchester 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.
New Hampshire does not require debt collection agencies to be licensed and does not keep a list of local agencies. However, you can always check with the Better Business Bureau for some information about the company that calls you. Some of the debt collection agencies working in the Manchester area include Monet Credit, NEF Capital Group, and Balanced Healthcare Receivables.
What Should You Do If You’ve Been Harassed By a Debt Collector In Manchester, New Hampshire?
Step 1: Know Your Rights
If you think Manchester 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 Manchester, NH by a debt collector? If so, it’s important to begin to gather evidence.
The New Hampshire Department of Justice website provides extensive information regarding debt collection in Manchester. One of their suggestions for documenting debt collector harassment is to send all letters by certified mail. Request a return so you have proof that the letter was received. In addition, you can keep a written record of the date and time of all calls you receive. Be sure to note the caller’s name, and write a description of what was said.
Step 3: Remain Calm and Act Deliberately
When you’re being abused or harassed by a bullish Manchester 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 Manchester, NH 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. Manchester 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 Manchester, NH debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.
You may be able to file your case in either U.S. District Court or Hillsborough Superior Court. Your Manchester attorney can help you decide whether to file your case under the applicable state or federal laws. Federal cases must be filed within one year of the harassment, but New Hampshire law gives you three years. However, federal laws provide an additional statutory remedy of $1,000 on top of the economic damages available under both laws.
Work With an Experienced Manchester, New Hampshire Debt Collector Harassment Lawyer
If you’ve experienced debt collector harassment in Manchester, NH 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 New Hampshire 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!