Tens of thousands of Ohioans are harassed by collectors every day. While there are rigid laws in place to protect consumers from harassment by these people, a large percentage of companies bend and extend the rules. The simple truth is that most Ohioans do not know the law regarding collections, which allows the debt collectors to use tactics that are considerably unethical and typically illegal. Ohio debt collection practices are highly regulated by the Ohio Revised Code's Consumer Sales Practices Act and other Federal statutes, and if you know the law then you will find that there is much you can do to protect yourself.
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When it comes to debt collection, your creditor must send you a letter within five days of their first contact allowing you to dispute the debt. They must always let you know during any contact that they are debt collectors and that they intend to use any information provided in order to collect the debt. What people seeking Ohio debt collection cannot do, however, is contact your family or friends or pretend to be lawyers or policemen. They may not curse at or harass you and they cannot make threats. They also may not falsify credit report information or contact your employer if asked not to do so.
If a creditor is doing any of these things to you, you should contact an Ohio attorney whose practice focuses on this area. Regardless of whether the call comes from Ohio or is coming from an outsourced collections center in the Philippines, Bangladesh or even North Carolina, the company responsible can be fined $1,000 per violation plus any attorney's fees incurred. Ohio debt collection is designed to help valid creditors collect money owed to them, but it is not a free pass for citizens to be harassed, annoyed, or threatened. Taking the time to understand your rights can allow you to take steps to keep yourself and your loved ones protected.
If creditors are harassing you about money that you owe or if you are facing collections from a debt you are unsure about, contact an Ohio attorney right away. When you understand your rights and show your creditors that you are willing to fight to keep them, you can put a stop to collections actions. You may also be entitled to financial recourse when it comes to these violations. Understanding your rights under the Fair Debt Collections Practices Act and the Ohio Revised Code Section 1345 is your duty and it can provide you with a great amount of protection.
Once you understand that collections laws are designed to protect you and afford you rights, you will better be able to take care of harassing calls. Your attorney can ensure that all Ohio debt collection actions taken against you are fair and appropriate. They will also be able to help you determine if Bankruptcy might be the best way to stop your debt woes. You don't have to put up with harassment from debt collectors, you simple have to understand and stand up for your rights.
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