Can​ ​You​ ​Sue​ ​Your​ ​Creditors?

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Can​ ​You​ ​Sue​ ​Your​ ​Creditors?
Spend less than you earn
You​ ​may​ ​not​ ​realize​ ​it,​ ​but​ ​the​ ​people​ ​you​ ​owe​ ​money​ ​to​ ​are​ ​actually​ ​limited​ ​by​ ​the​ ​law​ ​of​ ​the country.​ ​According​ ​to​​ ​​law​ ​experts​,​ ​your​ ​creditors​ ​have​ ​some​ ​very​ ​strict​ ​rules​ ​to​ ​follow.​ ​They can’t​ ​threaten​ ​you​ ​in​ ​any​ ​way.​ ​If​ ​they​ ​appear​ ​to threaten​ ​you​ ​with​ ​physical​ ​injury,​ ​harass​ ​you verbally,​ ​and​ ​use​ ​foul​ ​language,​ ​you​ ​can​ ​sue​ ​them.​ ​
Your​ ​creditors​ ​also​ ​can’t​ ​tell​ ​you​ ​that​ ​they will​ ​arrest​ ​you​ ​–​ ​it​ ​is​ ​illegal​ ​to​ ​impersonate​ ​a​ ​police​ ​officer​ ​in​ ​any​ ​way.​ ​There​ ​are​ ​many​ ​other ways​ ​in​ ​which​ ​they​ ​can’t​ ​approach​ ​you,​ ​all​ ​of​ ​which​ ​has​ ​been​ ​set​ ​down​ ​by​ ​the​ ​FTC.​ ​If​ ​you notice​ ​a​ ​creditor​ ​doing​ ​any​ ​one​ ​of​ ​these​ ​things,​ ​you’re​ ​well​ ​within​ ​your​ ​rights​ ​if​ ​you​ ​decide​ ​to sue​ ​them.
What​ ​Laws​ ​Prevent​ ​You​ ​From​ ​Being​ ​Harassed? 
In​ ​the​ ​USA,​ ​the​ ​law​ ​that​ ​prevents​ ​creditors​ ​from​ ​harassing​ ​you​ ​is​ ​called​ ​the​ ​Fair​ ​Debt Collections​ ​Practice​ ​Act,​ ​or​ ​the​ ​FDCPA.​ ​This​ ​was​ ​passed​ ​way​ ​back​ ​in​ ​the​ ​1970s​ ​to​ ​stop​ ​debt collectors​ ​resorting​ ​to​ ​illegal​ ​methods​ ​in​ ​order​ ​to​ ​force​ payment​ ​from​ ​their​ ​debtors.​ ​In​ ​those 
times,​ ​people​ ​were​ ​usually​ ​short​ ​on​ ​money​ ​due​ ​to​ ​various​ ​factors,​ ​which​ ​led​ ​to​ ​fewer​ ​bills being​ ​paid.​ ​As​ ​a​ ​result​ ​of​ ​this,​ ​the​ ​law​ ​was​ ​passed​ ​to​ ​protect​ ​the​ ​general​ ​public​ ​from​ ​the reactions​ ​of​ ​disgruntled​ ​debt​ ​collection​ ​agencies​ ​and​ ​collectors.
When​ ​creditors​ ​harass​ ​you,​ ​you’re​ ​able​ ​to​ ​sue​ ​them​ ​for​ ​damages​ ​they​ ​have​ ​incurred​ ​either​ ​on your​ ​physical​ ​or​ ​psychological​ ​state.​ ​You​ ​don’t​ ​even​ ​have​ ​to​ ​file​ ​for​ ​bankruptcy​ ​to​ ​do​ ​this.​
The FDCPA​ ​and​ ​other​ ​acts​ ​in​ ​different​ ​states​ ​all​ ​protect​ ​you​ ​from​ ​harassment.​ ​Now,​ ​it​ ​is​ ​true​ ​that these​ ​creditors​ ​can​ ​be​ ​incredibly​ ​difficult​ ​to​ ​handle​ ​in​ ​some​ ​situations.​ ​With​ ​a​ ​good​ ​working 
knowledge​ ​of​ ​these​ ​laws,​ ​you​ ​can​ ​easily​ ​prevent​ ​them​ ​from​ ​disrupting​ ​your​ peace​ ​of​ ​mind. 
Common​ ​Harassment​ ​Methods​ ​Used​ ​by​ ​Debt​ ​Collectors 
There​ ​are​ ​tons​ ​of​ ​tactics​ ​that​ ​they​ ​use​ ​to​ ​try​ ​to​ ​force​ ​you​ ​to​ ​pay​ ​the​ ​money​ ​you​ ​owe.​ ​While​ ​you should​ ​still​ ​be​ ​trying​ ​to​ ​pay​ ​off​ ​your​ ​debt,​ ​you​ ​shouldn’t​ ​be​ ​forced​ ​to​ ​do​ ​so.​ ​One​ ​of​ ​the​ ​most common​ ​styles​ ​of​ ​harassing​ ​you​ ​is​ ​to​ ​call​ ​you​ ​at​ ​weird​ ​times​ ​during​ ​the​ ​day.​ ​If​ ​you’re​ ​at​ ​work or​ ​asleep​ ​at​ ​night,​ ​and​ ​these​ ​people​ ​keep​ ​calling​ ​you,​ ​this​ ​counts​ ​as harassment.​ ​The​ ​same​ ​is true​ ​if​ ​you​ ​are​ ​not​ ​the​ ​only​ ​person​ ​receiving​ ​phone​ ​calls.​ ​If​ ​the​ ​agency​ ​calls​ ​your​ ​family​ ​and 
friends​ ​to​ ​inquire​ ​about​ ​you​ ​or​ ​speak​ ​to​ ​you,​ ​that’s​ ​harassment​ ​too.​ ​Any​ ​form​ ​of​ ​vulgar language​ ​while​ ​speaking​ ​to​ ​you​ ​can​ ​also​ ​be​ ​construed​ ​as​ ​harassment.​ ​
They​ ​have​ ​to​ ​be professional​ ​–​ ​no swearing,​ ​threats,​ ​or​ ​blackmail​ ​when​ ​asking​ ​for​ ​the​ ​money​ ​they​ ​are​ ​owed. 
Just​ ​recently,​ ​a​ ​woman​ ​sued​ ​her​ ​debt​ ​collection​ ​agency​ ​for​ ​$8​ ​million​ ​and​ ​won.​ ​
Harassment is​ ​a​ ​very​ ​serious​ ​charge.​ ​You​ ​should​ ​not​ ​stand​ ​up​ ​for​ ​it​ ​being​ ​done​ ​to​ ​you.​ ​Evaluate​ ​your situation,​ ​and​ ​if​ ​you​ ​are​ ​being​ ​harassed,​ ​contact​ ​a​ ​lawyer​ ​who​ ​can​ ​help​ ​you​ ​through​ ​the​ ​next steps​ ​immediately.

This is a guest post written for cashrange.com by Brad Richardson


About Brad Richardson

 

Brad loves writing about video games almost as much as he loves playing them. Beginning with the original NES, Brad has been playing video games his entire life. His favorite franchises include The Legend of Zelda, Elder Scrolls, Final Fantasy, Pokemon, Doom, and Fire Emblem.

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About Abuku Orode 588 Articles
My name is Abuku Orode, I am a full time blogger and article writer. I make research on the best, possible and legal way to enhance your tech life, finance and other survival tips and make them available here on Cashrange. My goal is to show you what works for me in the hope that it will work for you too. Best Regards [Cashrange]

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