Harassment Lawyers – What Counts as Debt Collection Harassment?

Federal and state laws that make debt collection harassment illegal are all well and good, but unless you know what counts as “harassment,” it’s hard to know what to look out for.

Both the FDCPA (federal law) and the FCEUA (Pennsylvania law) make it illegal for collectors to engage in “any conduct, the natural consequence of which is to harass, oppress, or abuse any person,” when collecting a debt.  Basically, collectors can’t harass or abuse you!  This very broad language includes profanity, talking down to you, threatening to tell your neighbors about your money problems, calling your house dozens of times a day, and many other possible scenarios.

Both laws also forbid the use of any “false, deceptive, or misleading representation or means” in connection with the collection of a debt.  In other words, collectors can’t lie to you or mislead you to get you to pay.  Some examples of false or misleading collection tactics include trying to collect more than you actually owe, threatening to have you arrested unless you pay, or pretending to be from the sheriff’s department or another government agency.

If you have experienced a form of harassment discussed above or would like to learn more, contact our harassment lawyers at (412) 378-5854.  In addition to forbidding various types of harassment, the FDCPA and FCEUA also make it illegal for collectors or creditors to contact you  if they know you are represented by a lawyer.

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Emily handled my case involving the Fair Debt Collection Practices Act. She was very knowledgeable of the laws regarding my case. I was impressed with the fact that she always kept me informed of what was going on and was always available to talk to. She handled the case in a timely manner and I was very satisfied with the outcome. I would wholeheartedly recommended Emily to anyone looking for an extremely knowledgeable and personable consumer rights attorney.

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Emily S. Gomez, Esq. represented us in a Civil Suit by a debt collector. We are not exactly sure how we selected her, but we are glad we did. Ms. Gomez promised to refund her fee if she did not win our case. The case was “dismissed with prejudice,” which means it is gone for good. Ms. Gomez was very courteous and professional as well as sympathetic to our situation. We wholeheartedly recommend her legal services .

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Emily helped me with a case, she was easy and comfortable to talk to. She understood my problem, she was sympathetic and professional. She explained to me all the legal matters that I did not understand and gave me feedback frequently. She gave me possible outcomes and reassured me all the way. The case resolved quickly and at the end of it all she won the case. Her payments were also reasonable and worth every penny !! I would highly recommend her!

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Emily Gomez was very helpful, professional, she handled my case and won it without my presence in court. She is very attentive and understanding. She communicates with her clients on timely manner. It was such a pleasure working with her