Stop Collection Calls and Debt Harassment in Ohio
Creditlaw.com provides legal service to consumers in Pennsylvania, New Jersey, Massachusetts, Maryland, Delaware, New York, Ohio, Connecticut, Tennessee, Texas, Arkansas, Oklahoma, Colorado and New Hampshire. If a particular debt collector is located in a state where we practice, we can sometimes help consumers in other states as well. Collections agencies have to follow federal laws when it comes to collection calls, and in many cases there are additional state laws that expand on these regulations. To avoid any confusion, we broke down fair debt collection laws by state. Here, we talk about Ohio.
The Fair Debt Collection Practices Act (FDCPA) is the federal law that regulates collection calls and stops debt harassment. The law outlines several illegal actions that are meant to protect consumers all over the country, including Ohio. These actions include:
- Any form of intimidation, profanity, or threat of violence while attempting to collect debts
- Repeated phone calls at unusual times, including before 8 a.m. or after 9 p.m.
- Contacting a debtor at work after being informed that contact is prohibited by the employer
- Communicating with a debtor that has already expressed they are being represented by an attorney
Each state has a different statute of limitations regarding lawsuits as a result of non-payment. In Ohio, they are as follows:
- Oral agreements: 6 years
- Written agreements: 15 years
- Collection calls may continue, but lawsuits are no longer possible
The Ohio laws for protecting consumers against debt harassment are in line with the FDCPA federal regulations. It is important for anyone who encounters a financial hardship to learn the law in order to protect their rights. Contact us if you feel like you are a victim of collection harassment, as it is a punishable offense. Everyone, no matter how much debt they have, should treated with dignity – the creditlaw.com attorneys are here to help enforce the laws and get you the respect you deserve during such difficult times.
