Debt Collector Harassment in New Jersey
Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In New Jersey 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 New Jersey
The New Jersey Division of Consumer Affairs provides a handbook on debt collection to residents of the state. Among the advice covered, this department wants citizens to have the ability to recognize law-breaking. Some of the illegal actions they have recognized include:
- Publishing a list of your debts
- Using profanity or calling repeatedly
- Threatening consumers with violence
- Claiming that they represent a credit reporting company
- Making false statements about representing attorneys or the government
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 New Jersey 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 New Jersey 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 New Jersey , 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.
There are dozens of debt collection agencies in New Jersey at the time of writing. Collection Solutions, Inc. and Kinum, Inc. are two companies you may hear from as a consumer with overdue debts. If any organization that contacts you fails to follow FDCPA rules, you do have the right to put them on notice.
What Should You Do If You’ve Been Harassed By a Debt Collector In New Jersey?
Step 1: Know Your Rights
If you think New Jersey 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 New Jersey by a debt collector, it’s important to gather evidence. Attempting to collect proof of debt collector harassment in New Jersey has its limitations. For example, the Digital Media Law Project reports that one-party consent laws prevent recording someone without permission. There are plenty of other ways to collect information that a court can accept as evidence, however. You may consider keeping a log of phone calls that includes details like names, dates, frequency, and content of the conversations.
Step 3: Remain Calm and Act Deliberately
When you’re being abused or harassed by a bullish New Jersey 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 New Jersey 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. New Jersey 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 New Jersey debt collector attorney, you have a better chance of winning the lawsuit and getting financial compensation for abuses such as phone harassment.
Starting a tort in New Jersey begins with filing a complaint which describes the grounds for the lawsuit. According to the Administrative Office of the U.S. Courts, both sides then engage in the discovery process. This can include witness testimonies or submitting evidence for acceptance by the court. At any time, the pressure of your litigation may result in a settlement offer from the defendant.
Work With an Experienced New Jersey Debt Collector Harassment Lawyer
If you’ve experienced debt collector harassment in New Jersey, 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 Jersey 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!