The Law Office of Kim Covington

Call For A Free 1-Hour Consultation
541-393-2790 | 800-673-1891

Please Ask For Kim Directly When Scheduling An Appointment

Abusive debt collection practices are illegal

Over the past few decades, the practices of many debt collectors have negatively affected residents in Oregon and throughout the country. While it’s understandable that companies want to receive the money that is owed to them, some of the collection agencies utilized by lenders have resorted to practices that are deemed unfair and abusive by consumer protection groups and the government.

According to the Consumer Financial Protection Bureau, some of the tactics that have been used by collection agents may seem surprising and even shocking. These include the following examples:

  • The use of profane language during a phone call.
  • Threatening to use violence against the consumer.
  • Repeatedly calling on the phone or sending letters with the intent to annoy or harass.
  • Publishing a list of consumers who don’t repay debts (with the exclusion of reporting the information to a credit reporting agency).

Additionally, some collection agents have been known to use false or misleading practices, such as threatening to have the debtor arrested, in attempts to collect a debt.

These tactics are illegal under the Fair Debt Collection Practices Act, says the Federal Trade Commission. The FTC has found numerous cases of collection agencies resorting to forms of creditor harassment that can result in marital stress, job loss, invasion of privacy and continued financial difficulties. Debt collectors have other means to collect debts that are not abusive or deceptive.

A person who is the victim of abusive creditor harassment can sue the collection agency for violations of the FDCPA. If successful, the debt collector is usually required to pay attorney fees and may also have to pay damages to the consumer.

No Comments

Leave a comment
Comment Information
email us for a response

Learn More About Your Fresh Financial Start

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

The Law Office of Kim Covington is a debt relief agency, and I have helped families, individuals and small businesses, file for bankruptcy relief under the U.S. Bankruptcy Code, for over 19 years.

The Law Office of Kim Covington

The Law Office of Kim Covington
1445 Willamette Street, Suite 9
Eugene, OR 97401

Toll Free: 800-673-1891
Phone: 541-393-2790
Fax: 541-344-6466
Eugene Law Office Map

P: 541-393-2790

T: 800-673-1891

F: 541-344-6466