Dealing with Loan Recovery Harassment: Know Your Legal Rights

Are you receiving constant phone calls from debt collectors? Facing threats or abusive language over unpaid loans? You’re not alone, and more importantly, you have legal protection against such harassment. At Legal Assist, we understand the stress that debt collection pressure can create. This guide explains your rights and the legal remedies available when facing aggressive loan recovery tactics. What Counts as Loan Recovery Harassment? Loan recovery harassment can take many forms: Repeated calls at odd hours Threats of violence or arrest Using abusive language Contacting your employer or family members False claims about legal consequences Publishing your name as a defaulter Legal Protections Against Collection Harassment The Fair Debt Collection Practices Act (FDCA) and state consumer protection laws place strict limits on what debt collectors can do. Recovery agents cannot: Call before 8 AM or after 9 PM Use threatening or obscene language Misrepresent themselves as governmen...