During these tough times, you might know someone who must be suffering from the harassment of the debt collection agencies. There are many things which a person needs to know about the process. There are different people who might argue that the debt collectors are doing right but, there is a fine line which cannot be crossed in order to collect debt. Just in case, if you or someone you know is experiencing any of these harassments mentioned below, he or she can contact the court-
Use of abusive language –
A debt collector has no right to use foul language over the phone. The right has not been given to anyone. Be it the original creditor or the debt collection agent, a person cannot use abusive language at all. The use of abusive language can be recorded and kept as a proof. The first step to refrain yourself from getting harassed this way is by telling the debt collectors to stop using such language and then you can take help from the court as well.
Disclosing personal information to others-
The debt collectors in case of emergency can contact your spouse for your contact details and address. The agent cannot in any case, contact your friends or the people you know for your details. He has no right to publish, promote or disclose any of your personal details to anyone. If you have been a victim of disclosures being made by the debt collection agents, make sure that you contact the court for this and sue him.
The people who call you are paid on commission basis which means that they are only paid if they are able to collect debts from you. The collector can lose his mind while doing so, get abusive or even threaten you. Now, next time if something like this happens, you know what to do.