shared Consumer Rights Violations
Consumer rights violations are on the rise, where more and more consumers complain about violation of their rights, experience debt collection harassment and more. In order to get money from mortgage payments, many agencies and edges include in activities that can be described as shady and nothing less than harassment.
shared consumer rights violations include debt collection harassment, privacy violations, unwanted phone calls and texts, and credit reporting violations among others. The shared consumer violation is debt collection harassment. Creditors and/or debt collectors will go to extreme measures to collect payment from an individual who has defaulted on his account.
How to define Consumer Rights Violations
Violation of privacy, unwanted phone calls, texts, etc. all consists of harassment. If a creditor continuous to do the following things, so as to get back his or money then it can be defined as harassment:
- Contacting you many times in a single day, already at night or early in the morning
- Pressuring you to sell off your home or already take more credit
- Pressuring via social networking websites, like, Twitter, Facebook etc.
- Making use of another or more debt collectors at a single time to contact you
- Not informing you about your debt, its position or whether it has been passed on to the debt collection agency or not
- Threatening you verbally or physically
- Causing public embarrassment
- Talking about your debt situation to others and maligning your image and reputation
- Giving implication of legal action
- Giving false claims, like, being a bailiff or working for the court etc.
- Giving impression that action from the court has been taken against you
What Can you do?
First of all, you will have to find out more about your debt collector –
- Collect every evidence of harassment
- Make a complain to your creditor
- Make a complain to a consumer lawyer
If you are harassed or a debt collector violates your rights as a consumer, you can sue him or her. It is your right to sue and take legal action against the collector in a federal or state court within a year’s duration from the date of violation. Once you win the case against your collector you can seek compensation from the collector for any damages. You will first have to prove the damages caused by the collector; it can be illegal collection practices, harassment and/or other violations. He or she might have pay up to $1000 per violation to you as a consumer.
You can report problems that you have with your debt collector to a state Attorney General’s office and also the Federal Trade Commission.
Violation of FDCPA
FDCPA or Fair Debt Collection Practices Act come with strict guidelines that define what debt collectors cannot do and can do. It is important for consumers to be aware of the FDCPA guidelines. A consumer can file a complaint with the FTC or Federal Trade Commission, against concerning collector, with the Better Business Bureau or file a civil suit in concerning federal or state court.
Individuals who have trouble to pay their mortgages and are confront with harassment from their debt collectors can seek legal assistance. by legal assistance they can avoid foreclosure or save their respective homes. Consumer lawyers can represent clients who are fixed in legal proceeding concerning foreclosure, provide advice on tax and legal implications related to foreclosures, bankruptcy or short sales or already negotiate a loan alteration.