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Former Chapter 7 Trustee
In recent months, a staggering number of people in Maryland and across the U.S. are facing financial hardships due to job loss and other challenges. Many of these people turn to their credit cards in order to buy groceries and pay bills. However, this quickly becomes a crisis for many people who are unable to pay their debts, especially with fees and excessive interest rates. Regrettably, some people are subjected to harassment when creditors bother them and in some instances, this behavior is against the law.
Those harassed by debt collectors need to understand their legal rights and take action to stop the abuse if the mistreatment is illegal.
Unlawful creditor harassment takes various forms. According to the Maryland Attorney General’s website, it is against the law for debt collectors to harass borrowers by verbally abusing debtors or making threats. Moreover, those who are contacted at unreasonable hours or subjected to excessive contact are also able to take action in order to safeguard their rights and put an end to the abuse.
For starters, some victims of creditor harassment are able to end the mistreatment by telling debt collectors that their behavior is against the law and that they are considering a complaint. Unfortunately, this does not always put an end to unlawful harassment and some people need to take further action, such as reaching out to the Maryland Collection Agency Licensing Board and filing a complaint. In some instances, taking legal action against a debt collector is necessary.