Debt Collector Harassment in Wilmington, DE
Debt collector harassment is the intimidation, bullying, abuse, or coercion of consumers into paying off the money they owe. In Wilmington, Delaware 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 Wilmington, Delaware
The University of Delaware states that collection agencies are prevented from engaging in harassing or harmful tactics. These tactics can include, but are not limited to, leaking information to a third party about your debt, calling before 8 a.m. or after 9 p.m., or threatening violence to coerce payment. It is also illegal for collection agencies to deposit post-dated checks early, or contact someone by postcard.
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 Wilmington 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 Wilmington, DE 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 Wilmington 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.
Wilmington residents facing outstanding debt could hear from a collection agency such as Brandywine Accounts Management, Invenio Financial, or Navient Solutions. NexaCollections provides a list of accredited collection agencies near Wilmington.
What Should You Do If You’ve Been Harassed By a Debt Collector In Wilmington, Delaware?
Step 1: Know Your Rights
If you think Wilmington 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 Wilmington, DE by a debt collector? If so, it’s important to begin to gather evidence.
The Attorney General of Delaware defines the laws and regulations under which collection agencies must operate. Residents of Wilmington should be aware of your rights, and be prepared to fight back if you experience harassment. You can start by drafting a Stop Contact letter and sending it via certified mail. Once the collector receives the letter they cannot contact you again, unless to inform you that a suit is being filed. Save any correspondence between you and the collection agency that you can, and keep records of every payment that you make. In addition, you may consider beginning to keep a hand-written record of the dates and times of calls.
Step 3: Remain Calm and Act Deliberately
When you’re being abused or harassed by a bullish Wilmington 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 Wilmington, DE 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. Wilmington 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 Wilmington, DE 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 Federal Trade Commission you have 1 year to file a lawsuit against a debt collector that is engaging in harassment. You’ll need to file the lawsuit in either a state court, such as the Newcastle County Superior Court, or a federal courthouse, such as the U.S. District Court for the District of Delaware. If you’ve lost wages due to the harassment, you’ll be able to sue for those damages. If you can’t pursue those damages, a judge may still award you $1,000. They could also force the collection agency to pay the court fees and the attorney fees. An experienced attorney in Wilmington can best help you fight back against harassment.
Work With an Experienced Wilmington, Delaware Debt Collector Harassment Lawyer
If you’ve experienced debt collector harassment in Wilmington, DE 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 Delaware 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!
