Philadelphia Creditor Harassment Attorney

A creditor can harass you in a variety of potential ways. Often, a creditor is guilty of harassment if they in some capacity violate the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits the following:

• Attempting to contact a debtor before 9:00 AM or after 8:00 PM
• Attempting to communicate with a debtor directly despite being aware of the fact that a debtor has already hired a creditor harassment attorney
• Attempting to communicate with a debtor at their place of employment
• Without the consent of a debtor, attempting to reach them via a third-party
• Continuing to make contact with a debtor despite a formal request to stop having already been made
• Threatening violence or other such criminal behavior
• Using obscene language when contacting a debtor
• Publicizing the identity of a debtor
• Falsely claiming to be or implying that one is a government official
• Intentionally contacting a debtor repeatedly with the goal of harassing or agitating them
• Suggesting that failure to repay a debt will result in a debtor being arrested or subject to other such penalties
• Threatening to take legal action without actually intending to do so
• Threatening to take impermissible legal action
• Making false claims about a debtor’s credit
• Engaging in general deception to collect from a debtor
• Falsely claiming to represent a consumer reporting agency or implying that one represents such an agency

Although this is a reasonably thorough list, it is not entirely exhaustive. You might thus not be certain whether the behaviors of a creditor who has been harassing you represent a violation of the FDCPA.

If you have any reasons whatsoever to suspect that a creditor is breaking the law, review your case with an expert at our Philadelphia creditor harassment firm. We will thoroughly explain your legal options in these circumstances.