Legal Question in Credit and Debt Law in Illinois
bill collectors are harrassing me
I am writing on behalf of my mother. Bill collectors keep calling even though she has told them she cant pay because she is out of work. Evertime she talks to them, they call her ignorant, stupid and anything else they can think of. when she asked to speak to the manager they let her talk to somebody who was just as rude and he lied about what his coworker said, i dont even think he was the manager, and they wont let her speak to anyone else and when she calls back they said they can call a lawyer and have a harrassment suit placed on her because she calls back to speak to another person. are there any legal steps we can take to stop this and are there any lawyers that can do it for a low cost because she is out of work and really cant afford an exspensive lawyer. Thank You
1 Answer from Attorneys
Re: bill collectors are harrassing me
You might want to take a look at the Fair Debt Collection Practices Act (especially sections 806 and 807) to see if the debt collector has violated any of the provisions. The text is at: http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
The fact that she is not employed does not affect the validity of the debt, but her inability to pay does not affect the debt collector's obligation to comply with the FDCPA. Make sure she keeps every scrap of correspondence and documents every call--date, time, who called, and what was said.
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