Owing a significant amount of money is stressful and troubling for many. Not only are you trying to make ends meet, but the phone calls and letters from a debt collector act as a constant reminder of the immense pressure you are under. However, when these phone calls escalate to showing up at your door, you may wonder how this is legal. Keep reading to learn more about the rules surrounding the Fair Debt Collection Practices Act and how a Los Angeles, California debt defense lawyer can help protect you from unfair collection practices.
Is It Legal for a Debt Collector to Knock on My Door?
Though it may seem unfair and scary, a debt collector can legally knock on the door of your home. While there are many rules and regulations surrounding how a collector must act when in contact with debtors, there is nothing prohibiting them from visiting your home.
However, it is essential to note that there are rules dictating how a collector must act when on a debtor’s property. For example, they can only visit your home during appropriate times, which is determined to be between 8 a.m. and 9 p.m. Similarly, they are not allowed to enter your home without your permission, and they cannot visit your place of work to collect your debt.
What Should I Do if a Collector On My Property?
If a debt collector is on your property, you are under no obligation to speak to them. You do not have to open the door or initiate any communication with a debt collector if you are uncomfortable. Should you choose to communicate with them, you should verify their identity before discussing any financial information. Legally, debt collectors cannot lie about who they are.
In the event that a debt collector is on your doorstep before 8 a.m. or after 9 p.m., becomes aggressive, threatens you, or attempts to force their way into your home, you should contact the police immediately. These actions are in direct violation of the FDCPA, and filing a police report about the incident can be useful if you choose to pursue legal action.
Do I Need to Contact an Attorney?
If you are being harassed by creditors who are violating your rights as a consumer, ensuring you reach out to a consumer protection attorney as soon as possible is crucial. Not only can they help prevent aggressive collection practices, but they can also examine the circumstances surrounding your debt to help create a defense or negotiate a settlement that works for your case.
At LA Legal Solutions, we under how scary pounding on your door can be. We will do everything possible to help guide you through debt management, allowing you to get back on track with your life. Contact our seasoned law firm today to get started.