Stop Collection Harassment

Facing aggressive and relentless debt collection tactics can be overwhelming. In South Carolina, consumers have the right to be treated fairly and with respect, even when they owe a debt. However, many individuals are unaware of the legal protections available to them against abusive and harassing collection practices.

What Constitutes Collection Harassment?

Collection harassment includes a wide range of behaviors that debt collectors might use to intimidate or coerce you into paying a debt. These actions can include:

• Repeated calls at odd hours: Debt collectors may call you multiple times a day, often outside of normal business hours, in an attempt to pressure you.
• Threats of violence or arrest: Any threat of physical harm or false claims of legal consequences is considered harassment.
• Public disclosure of your debt: Discussing your debt with third parties, like neighbors or employers, is illegal and can be a form of harassment.
• Using profane or abusive language: Debt collectors are prohibited from using offensive or abusive language in their communications with you.

Your Rights Under the Law

The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets boundaries on how debt collectors can interact with consumers. It prohibits many of the tactics described above and offers recourse to those who are subject to illegal collection practices. In South Carolina, consumers also have additional protections under state law, which can further limit the actions of debt collectors.

If you are experiencing harassment from debt collectors, you have the right to take action. This can include:

• Requesting verification of the debt: You have the right to ask the collector for written proof that you owe the debt. This can often stop collection efforts in their tracks.
• Ceasing communication: You can send a written request to the collector asking them to stop contacting you. Once they receive this request, they are legally obligated to stop most forms of communication.
• Filing a lawsuit: If a debt collector violates the FDCPA or South Carolina law, you may have grounds to file a lawsuit against them. This can result in damages and the recovery of legal fees.

How HAYS CAULEY, P.C. Can Assist

If you’re dealing with collection harassment in South Carolina, you don’t have to face it alone. The team at HAYS CAULEY, P.C. is dedicated to helping consumers understand their rights and pursue legal action when necessary. With extensive experience in consumer rights cases, our attorneys are prepared to take on even the most aggressive debt collectors.

Taking the First Step

Facing collection harassment can be daunting, but you have the power to stand up against it. By understanding your rights and seeking legal assistance when needed, you can put an end to the harassment and regain control of your life. HAYS CAULEY, P.C. is here to help you every step of the way.