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Not all debt collection practices are legal

The last thing that Ohio residents who have debts that they are finding it difficult to pay need to deal with are annoying and overly pushy debt collectors. Fortunately there are laws in place that protect consumers from what may be harassing activities. However, despite these laws some debt collectors still go too far in the effort of obtaining payment. Consumers should be educated about what is legal and what is not in this regard so as to protect their rights.

Many attempts to collect a debt are made by phone and while this is legal there are limits as to when a debt collector may or may not call a consumer. Calling someone at 5:00 a.m. or at 11:00 p.m., for example, is not allowed. Calls should only be made during reasonable hours of the day. Similarly, making too many calls in a short period of time and even threatening people or speaking in threatening or violent manners is not appropriate.

Debt collectors may call consumers at work so long as they do not reveal their identities or the reasons for their calls. They cannot, however, come to a person's workplace. If a consumer asks a debt collector to stop calling them at work, the debt collector must legally abide by that request. Failure to do so would be an illegal practice on their part. Consumers should also be sure that a debt attempting to be collected is truly theirs.

When consumers in Ohio have questions about interactions with debt collectors, talking to an attorney may be a good way to get the answers they need.

Source: Star Tribune, "Five things that are illegal for debt collectors to do," September 9, 2017

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