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.
The Federal Trade Commission is the United States' consumer protection agency. Its duties include enforcing the Fair Debt Collection Practices Act for Ohio consumers as well as consumers throughout the country. This law makes it illegal for debt collectors to use abusive or unfair methods to collect on debt owed by consumers.
Home is where the heart is, but it is also where one can maintain health and comfort with basic utilities such as water, heating and cooling and electricity. When companies revoke such utilities without notice, an individual may go through a series of emotional and physical distress. In addition, the effects of having a utility service shut off likely stem from preexisting financial distress. Ohio has its own set of state disconnection regulations and laws, and such rules are made to assist those in need and who sometimes cannot pay monthly utility bills.
Like many of the clients that we here at Rauser and Associates Legal Clinic LLP have worked with in Cleveland, you no doubt have every intention of staying caught up on your debt payments. Yet should missing a payment give your creditors (or their representatives) the right to hound you whenever and wherever they want until you are caught up again? Of course not. The federal government is on your side in this situation, having shown so with the passage of the Fair Debt Collection Practices Act.
If you are faced with significant debt in Cleveland, creditor harassment is bound to be a real issue for you. To this end, it’s important that you are aware of the ways creditors are permitted to contact you, as well as the methods that are not permissible by law. That way you can easily recognize creditor harassment and subsequently deal with it in the appropriate manner.
These days, you may find it easy to fall into debt, thanks to factors such as Ohio’s high cost of living and the challenges associated with paying medical bills, student loans and other necessary expenditures. If your debt is of, say, the credit card or medical variety, you may attract the unwanted attention of a debt collector, and some of the tactics they may use to frighten you are not only unethical, but illegal. At Rauser & Associates Legal Clinic LLP, we have a firm understanding of the difference between legal and illegal debt collection methods, and we use this knowledge to help numerous clients find relief from creditor harassment.
If you are being harassed by creditors in Ohio, you may be wondering what you can do to put a stop it. To this end, you should know that you have rights when it comes to the methods creditors use to pursue outstanding debts. This knowledge can help you deal with creditor harassment, as well as get your finances back on track.
The battle against debt can seem never ending. Just when you get a little caught up, the next month's bills arrive in your mailbox and the scramble begins to try to pay them. That hamster wheel feeling is enough to drive anyone crazy. But when you add in the constant harassment from creditors and collection agencies, it's easy to feel hopeless. Every time your phone rings, it's a less-than-pleasant message from an agency and every time you get your mail, there's another threatening letter waiting for you.
This one is likely to send shivers down the spines of anyone who has student loan debts. A group of student loan collectors has filed a petition with the Federal Communications Commission asking them to cut back on some of the restrictions placed on them.
One conversation with a creditor is all it takes to make you feel like a criminal. That's because, despite laws that forbid them from doing it, creditors often resort to underhanded tactics to collect a debt, including screaming at or berating a debtor. Even if you've given up on answering the phone, the ring alone can send a shiver down your spine. And that's exactly what they want. If they can make you miserable, you might be willing to pay just to stop the madness.