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Most people, given the opportunity, want to pay their bills. Some unscrupulous businesses, however, have committed themselves to abusing consumers. Rather than working with consumers to reduce debt, these unscrupulous businesses take advantage of anyone that deals with them. Federal and state law protects consumers from these businesses.

Wednesday, September 28, 2011

Repeat Offenders: Calling over and over

One of the more common complaints against debt collectors concerns repetitive or continuous phone calls. While debt collectors are permitted to call consumers to collect or attempt to collect legitimate debts, debt collectors who repeatedly call in the same hour, same day, or even too many times in a single week may find their conduct deemed harassing and thus in violation of the Fair Debt Collection Practices Act. 

As with many Fair Debt Collection Practices Act violations, the number or pattern of phone calls which rises to the level of harassment will depend on the particular facts of the case. However, if you feel that your life has been consumed by debt collection calls lately, relief may be available. An attorney can help determine whether the calls violate the collection prohibitions and may even be able to help stop the calls.    -Meredith Phillips (205) 912-8244

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