Debt Collection Harassment Texas

Summary

Debt collectors in Texas cannot harass, oppress, or abuse you. Multiple daily calls to you, your family, or your employer may be considered harassment. Seek help from a legal aid office or pro bono attorney specializing in consumer law or debt collection if you cant afford legal representation.

Full Conversation

Okay so I haven’t paid a debt mostly because I’ve been having trouble, they kept calling me and months ago I asked them to stop contacting me and they haven’t stopped, one of the person who works there started to tell me what would happen if I didn’t pay and during that time I was at work. Today I got a letter saying that if I don’t pay it they will take other action to collect the debt. It’s scaring me and my mental health is not in a good headspace.
I'm sorry to hear about your situation, Angie. To give you the most accurate information, can you please tell me where you're located?
Mission tx
I'm sorry to hear about your situation, Angie. In Texas:
- Debt collectors cannot harass, oppress, or abuse you.
- They cannot lie or use unfair practices to collect a debt.
- They must send a written validation notice of the debt.
If they violate these rights, you may seek legal help.
Does it count as harassment if they call me then my parents,then my job multiple times a day?
Yes, in Texas, if a debt collector contacts you multiple times a day, or contacts your family, friends, or employer, it may be considered harassment. You may want to consult with a legal professional for more advice.
Okay thank you, what kind of lawyer should I look for if I can’t afford one
You should seek help from a legal aid office or pro bono attorney. They specialize in helping those who can't afford legal representation. Try to find one that specializes in consumer law or debt collection.
Thank you so much
You're welcome, Angie. If you need more help or have other questions in the future, don't hesitate to contact FreeLawChat. We're here to assist you. Best of luck with your situation.