Debt Collector Harassment in Mesa, AZ

Finding yourself in debt can be incredibly stressful. What no one needs at this time is to be harassed by bad actors who are trying to collect on behalf of creditors. There are several rules and regulations regarding the boundaries and regulations for collecting a debt. If you feel you have been harassed by those seeking to collect a debt, you may want to contact an experienced Mesa attorney.

Debt Collector Harassment in Mesa, Arizona

The Attorney General of Arizona clearly defines the parameters by which debt collectors must operate. While many may try to push these boundaries, debt collectors are not permitted to lie to you about who they are, nor are they allowed to contact you directly if they know you have an attorney. In addition, the state of Arizona does not allow any debt collector to use foul or vulgar language, or to attempt to threaten or coerce you in any way.

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 Mesa 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 Mesa, AZ 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 Mesa 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 Arizona Department of Insurance and Financial Institutions states that a collection agency must be fully accredited and recognized by the state before being allowed to operate in Mesa. Mesa revenue Partners and BHK Financial are both legitimate firms in Mesa, recognized by the state. You should always make certain to do research on whomever may be contacting you about a debt.

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

Step 1: Know Your Rights

If you think Mesa 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 Mesa, AZ by a debt collector? If so, it’s important to begin to gather evidence.

AZLawHelp reaffirms that all Mesa residents who are being harassed by a debt collector should keep copious records. Save all correspondence, including both letters and emails. Make certain to write down the time and frequency with which you receive phone calls from creditors, and get names if possible. In addition, Arizona is a 1 party consent state when it comes to recording conversations. Which means that you can record a creditor who is harassing you.

Step 3: Remain Calm and Act Deliberately

When you’re being abused or harassed by a bullish Mesa 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 Mesa, AZ 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. Mesa 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 Mesa, AZ debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.

Mesa residents filing a claim to stop debt harassment will generally file with the Maricopa County Superior Court. Although, because there are no state regulations in Ariona regarding debt harassment, you may also be able to file in the U.S. District Court of Arizona based on federal mandates. If you are facing harassment from a debt collector, you may want to have an experienced Mesa attorney on your side.

Work With an Experienced Mesa, Arizona Debt Collector Harassment Lawyer

If you’ve experienced debt collector harassment in Arizona, 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 Arizona 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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