Alexander J. Douglas, Esq. | Attorney | (585) 703-9783 |

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Five Signs That You Are Being Hounded by an Abusive Debt Collector

Five Signs That You Are Being Hounded by an Abusive Debt Collector

1. Calling at Odd Hours
Debt collectors are not allowed to call you before 8 a.m. or after 9 p.m. local time. Sometimes, they will call really early or really late to try to annoy you into paying your bill. This is illegal.

2. Calling Too Much
Debt collectors will often call consumers 5 or more times a day to annoy and intimidate them into paying the debt. If they do this, it is very likely that they are attempting to harass you. This is also illegal, and you should not stand for it.

abusive debt collector

3. Their Representatives are Being Verbally Abusive
When you actually take the time to talk to collectors on the phone, they should be polite and respectful. Most of the time, this is the case. However, some debt collectors are different, and turn a blind eye to their employees who speak to consumers in harassing or abusive tones. If they do so, you’re dealing with an abusive debt collector who is probably breaking the law.

4. They’re Threatening to Sue
Debt collectors are not allowed to threaten to sue you if they don’t intend to actually do it, or if they don’t have the authority to do it. Most of the time, the debt collector does not get to make any decision about whether or not the creditor will sue you. So if they’re constantly threatening to sue, you may be dealing with an abusive debt collector.

5. They Misrepresent Information About the Debt
The most common issue we see with our clients is that the debt collector is lies about the debt. It could be a number of things: the amount, the creditor, whether or not it’s already been paid, etc. If your debt collector is doing this, you are dealing with an abusive debt collector.

If you’ve experienced any of these issues, or if you just want to discuss your personal situation, please call or email my office and we talk have a free consultation about your problems.

Simple things you can do to help your case

A little bit of book keeping and organization can go a long way.

Many debt collection agencies rely on  the fact that no one wants to deal with debt. It can be tough or embarrassing. They want you to hide your head in the sand.  Doing so is the worst thing you can do for your case.

  • Do not ignore any mailing or call from collectors.
  • SAVE ALL OF THE LETTERS from your creditors/debt collectors.
  • Keep screenshots and take notes of your phone calls.
  • Pull a copy of your credit report .
  • If you have voice mails, save copies and collect them.
  • And of course Call or email this office! 


2510 Chili Ave, Rochester, NY 14624
Phone: (585) 703-9783
: Rochester Debt Lawyer Facebook Page


Important: The information contained in this website has been provided for informational purposes and DOES NOT constitute legal advice; there is no warranty on this information and it does not in any way constitute a attorney-client relationship.

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