Dealing with a collection agency can be a stressful experience, and in some cases, agencies may go above and beyond what is allowed in an attempt to persuade a person in Ohio to make a payment. However, as many may be uncertain of their rights when dealing with similar issues, they might not be aware that this behavior is unlawful. By becoming aware of one’s rights, a person might be better prepared to protect against creditor harassment.
While collectors may be allowed to contact a person by phone several times on certain days, they cannot place these calls with the intention of harassing or intimidating a debtor. Collectors must also refrain from using inappropriate language and avoid threatening a person. In addition, these agencies must always identify themselves prior to speaking about a debt, and they cannot disclose information about other parties who are behind on accounts.
Collectors must also refrain from using misleading or deceptive tactics. When speaking with a debtor, these agencies must provide accurate information and they cannot claim to be another entity. Those who feel they are being subjected to harassment could find it advisable to keep a record of the date and time of contact and include notes on the nature of the information that was discussed.
Everyone has a right to protect themselves against creditor harassment, but some might not even be aware it is happening to them. Those who feel they are being subjected to unfair treatment could choose to speak with an attorney for advice on how to handle the situation. An attorney in Cincinnati or Dayton can help a client gain a better understanding of his or her rights and provide guidance on how to protect against similar situations in the future.