In Texas, creditors are sometimes known for being pushy. A few even cross the line from pushy into threatening or harassing. When you are the target of creditor harassment, it can be hard to know what to do. Today we will take a look at some harassing behaviors you may face.
According to the Consumer Financial Protection Bureau, creditor harassment comes in many forms. Some can be harder to spot than others. The most obvious examples of harassment involve direct threats. For example, some creditors will threaten to publish your name on a list of people in debt. Others may threaten to get your car towed or your house seized.
Other threatening behavior involves the repeated unwanted contact of homeowners. They may call you at all hours. They may leave voice messages that promise to harm you or your assets. Some creditors will park outside of a house to intimidate the homeowner. They may pay in-person visits or flood your mailbox.
Then there are the more subtle forms of harassment. This can include making phone calls to you without letting you know who is calling. Giving you false information is also a form of coercion bordering on harassment.
Dealing with persistent creditors can be difficult. Many individuals find this period in their lives stressful. However, filing for bankruptcy can halt creditor harassment in its tracks. By law, creditors must stop contacting an individual who has filed for bankruptcy. Victims of harassment often seek refuge in this. Bankruptcy can also help the target get out of debt, making it beneficial on several fronts.