One of the services we provide at the Buettner Law Group, LLC is consumer protection. Even if you are in debt and you have debt collectors contacting you trying to collect, there are certain rules in place that they must follow. The rules are outlined in the Fair Debt Collection Practices Act and are designed to protect consumers. Just because you are behind on your payments doesn’t mean you deserve to be harassed or that debt collectors have the right to contact friends and co-workers in an attempt to get to you.
Consumer Protection Laws
Many clients of ours do not know what is considered illegal when it comes to debt collection. And why should you? With all the stress in your life the last thing you have time for is researching the laws regarding debt collection and consumer protection. The easiest and best bet if you are ever concerned with your treatment is to contact a Minnesota consumer protection attorney as soon as possible.
We know what is against the law in terms of debt collection. We also know that many creditors will step over the line and use illegal means of trying to collect debt. This can include:
- threatening phone calls, letters or visits to the door
- contacting other people looking for you, such as your boss, your family or your friends
- telling a third party that they are a debt collector and that you owe money
- threatening with legal action for not paying a bill such as suggesting you could get sued or put into prison
- using insults, profane language or other threats
- constant phone calls after you have told them to stop and pay the bill
Stop Creditor Harassment Today
There are certain steps that you can take when it comes to dealing with creditor harassment.
- Keep all evidence of the harassment that is taking place. This can include letters and notices from collection agencies
- Try to keep a log of all the phone calls and visits to your home and other areas. Try to also record your conversations with debt collectors
- Keep track of all voice mails and answering machine messages. Don’t simply delete them but keep them as evidence
- Get in touch with a Minnesota consumer protection lawyer as soon as possible. Our team at the Buettner Law Group, LLC provides a free initial consultation to determine if you have a case and whether legal action is necessary.
Minnesota Consumer Protection Lawyer
When you are faced with overwhelming debt the last thing you need is the constant reminder that you owe money. However, debt collectors have a job to do and it is their job to get the money that you owe. This doesn’t give them the right to constantly harass and threaten you. If you are concerned about debt collectors and creditor harassment, then contact us today for a free initial consultation at 612-377-5311.