Legal Question in Credit and Debt Law in Pennsylvania

Re: collection agency harrassment

You asked about a collector that is a pain in the but.

Under the Fair Debt Collection Practices Act (FDCPA) collectors are limited in the actions that they may take.

You can easily stop the debt collector from calling you at home and work. And you can nail the debt collector for violation of the FDCPA, get a statutory penalty against them AND they will have to pay your attorney's fees and court costs.

You can also file criminal charges unless the collector had your explicit permission to take money from your account. If you just gave him your account number, then that probably did not constitute permission (why the hell would you ever give out your account number?) By the by, change bank accounts numbers, your bank should do than on request.

Fight back and don't let debt collectors bully you. Hire an attorney and nail their but to the wall (and remember, they will probably have to pay the lawyer's fees.)

Regards,

Roger

Re: collection agency harrassment

If there is a judgment, it is legal to garnish your bank account to collect it. But the threats may constitute a violation of the Fair Debt Collection Practices Act, and if they are calling you in MD you can sue them there. If your debts exced your ability to pay, you may also want to consider filing for bankruptcy. Feel free to contact me to discuss these matters - I practice in MD, DC and VA.