If you are in debt and haven’t paid up yet, then you may be expecting a call from personal debt collectors. Don’t be worried or anxious about this call, through. Some debt collectors are known to harass and disturb many of those who owe money, but as long as you remain calm and pay up in time, you will avoid such personal debt collectors. It’s also best to know about what debt collectors are not allowed to do in order for you to be able to take these actions up to court. In this article, we show you what personal debt collectors are not allowed to do.
What Personal Debt Collectors Are Not Allowed to Do
Here are the 5 things debt collectors aren’t allowed to do when contacting you for your debt:
- They are NOT allowed to scream at your or ay any obscene language.
- They aren’t allowed to call you up during late hours, only during times that the agency is open. They cannot call you repeatedly as well.
- They are not allowed to threat you for a court date, nor can they publicize your debt as a way to humiliate you.
- They cannot collect debt that you do not owe, which is why it’s best to keep a record of your debts and how much you owe, as they may be misinformed or taking more money to earn more.
- They cannot pretend to be part of the law enforcement as a way to get you to pay quickly.
Hopefully, this information will help you become more knowledgeable on debt collectors and how you will be able to handle them. Always remember that they are doing their job and that you must pay up as well. So long as you aren’t running from your debt, everything will go on smoothly and as promised.