Debt Collection Legalities Explained

Summary

In Ohio, while you cannot be sued for attempting to collect a debt, it is crucial to adhere to the Fair Debt Collection Practices Act (FDCPA) to avoid using aggressive or harassing tactics. Documenting communications, such as text messages, is essential for evidence. Remaining professional and avoiding threatening language is important. Consider legal action if necessary to recover the debt.

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Jennifer
Hi Jennifer! How can I assist you with your legal issue today?
I'm a business owner. I've been dealing with another business owner who has not paid me what they owe me over a year. They said that if I don't stop harassing they're going to sue me. Can I be sued for trying to get my money that is owed to me?
Hey Jennifer! It's understandable to be concerned about this situation. In Ohio, debt collection must comply with the Fair Debt Collection Practices Act (FDCPA). You can't be sued for simply trying to collect a debt, but ensure you're not using aggressive or harassing tactics. Have you documented your communications with them?
Everything has been between texts
Having a record of text messages is a good start. Make sure you maintain all correspondence as evidence. It's important to remain professional and avoid any language that could be seen as threatening. Are you considering taking legal action to recover the debt?