How would you feel if a debt collector suddenly requested you as a friend on Facebook or sent you a direct message? Even worse, what if a debt collector attempted to post messages about your unpaid debts online for everyone to see?
For many Americans with unpaid debts, the Internet can feel like a dystopian nightmare. It doesn’t have to feel that way, though. Despite owing a debt, you still have rights. It’s illegal for creditors to attempt to harass, troll, or post about you on social media websites. Are you interested in learning more about your rights as a debtor and how you can stop creditors for good? Read on to find out!
Help! Debt Collectors Are Trolling Me on Facebook!If you’re looking for an old friend or co-worker, then where do you turn? For most of us, we look to social media, of course! Debt collectors often fall into the same mindset, so they’ll often try to look you up on Google, Facebook, or other websites in an attempt to locate you.
While this practice is becoming more common, debt collectors are walking a fine line when they take such action. The Federal Trade Commission is currently in the process of determining the legality of messaging a debtor over social media accounts. Here’s what you need to know about where the law stands right now:
· Any information you post publicly online is fair game for debt collectors
· If your social media account is public, then collectors CAN contact you on it
· If you befriend a collector online, then they’ll have access to your information and profile
So, how can you safeguard yourself from getting trolled online by debt collectors? First, learn everything you need to know about your rights as a debtor below. Then, change the status of all your online accounts to private. Comb through all your online accounts to make sure that information like your address, phone number, and email is set to private or “friends-only”. From there, you may need to contact a lawyer about what you can do next.
What Are My Rights as a Debtor?So, what are your rights as a debtor? The Fair Debt Collection Practices Act outlines a number of actions that are prohibited by law. According to the act, collectors must respect your privacy. That means lenders and debt collectors cannot:
· Post public messages about your debt online
· Harass you by sending you multiple messages on your social media accounts
· Attempt to contact and inform third-parties online about your debts
· Publish your identity and financial status on a public forum
· Contact your employer about your debt
· Call or Facebook message you in the middle of the night
· Repeatedly attempting to contact you
· Refuse to identify themselves
If you’re experiencing harassment, then you may be entitled to compensation. You’ll need to discuss your options with an attorney and consider the benefits of pursuing a lawsuit. If it’s in your best interests, then you could get financial compensation to pay off the creditor and get them off your back for good!
What if a debt collector is taking legal actions against you? You may have additional options to help stop legal collection efforts through a bankruptcy lawsuit. A lawyer can help you decide if seeking out a claim is the best option for your financial future.
Looking for Legal Help in Missouri?Are you wondering how an attorney can help you with your financial situation? Hiring legal representation is beneficial because your lawyer will help uphold and enforce your rights as a debtor. From halting collection efforts to pursuing a lawsuit against illegal harassment, our attorneys can help you secure a better financial future. Are you ready to get started today on building a better future?
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If you feel bankruptcy is the best option for your financial situation you need to speak with an experienced bankruptcy lawyer as soon as possible. Please contact us online or call our office directly at 888.348.2616 to schedule your free consultation.