Debt collectors will likely harass consumers in Ohio who are overwhelmed by debt and not able to make their debt payments on time. However, even if the consumers have not consulted with a bankruptcy attorney or filed for bankruptcy, they have rights. There are numerous laws that protect debtors against creditor harassment.
The restrictions that debt collectors are subject to include various threats that are often used to try and scare consumers into paying debts that are not verified. Commonly used threats include claiming that debtors will go to prison or that their wages will be garnished. They may not contact a debtor's family, neighbors or employer; in fact, they may not interfere with a person's employment in any way, nor may they threaten to have a debtor kicked out of his or her home.
Debt collectors sometimes use foul language and make false statements to try to convince people to pay. They have to identify themselves and make it clear that they are engaged in the collection of debts. They must also send the debtor a letter explaining that he or she is entitled to dispute the debt. Debt collectors are prohibited from providing credit reporting agencies with false information.
Once a debtor has retained the services of an attorney, debt collectors can be advised to contact the lawyer, which may be the most appropriate step to take because it will not only put a stop to creditor harassment but may also offer the debtor a chance to start over. The attorneys at the Ohio law firm of Minnillo and Jenkins can explain the debtor's rights, and after assessing his or her unique circumstances, remedies can be considered. This bankruptcy law firm is experienced in debt relief and all the options under the U.S. Bankruptcy Code. Once a debtor has filed for bankruptcy, an automatic stay goes into effect that prevents creditors and debt collectors from making any further contact.