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Debt Collection Harassment

Debt Collection Harassment

If a creditor or debt collector believes you owe them money on a credit card, personal loan, auto loan, or other form of credit, they may begin to contact you.  

You may receive phone calls or letters.  Your family members may also receive phone calls if the collectors are unable to speak with you or if they co-signed for the credit.  Often the contact with debt collectors is a source of stress and sometimes the collection activities become harassment.  Examples of harassment: collectors call many times each day or at all hours of the day and night, call your employer about your debt, or call you names or make threats when you speak with them.  

Ultimately, the creditor or debt collector may file a lawsuit against you.  For more information on debt collection lawsuits, see Debt Collection Lawsuits

What we can do: 

We provide legal information and advice to people who are receiving debt collection calls and letters.  This includes sharing information about ways to get phone calls to stop.  We may also be able to help you identify whether the collectors have harassed you in violation of state or federal consumer protection laws.  

If you have been sued by a creditor or debt collector, see Debt Collection Lawsuits

How to get help:

Walk-in Intake

Community Legal Services
North Philadelphia Law Center

1410 West Erie Avenue
Philadelphia, PA 19140
Monday, Wednesday, Friday
9:00 am -12:00 pm

Philadelphia Legal Assistance
718 Arch Street, Suite 300N
Philadelphia, PA 19106-1535
Monday, Wednesday
9:00 am – 11:30 am

Phone Intake

Philadelphia Legal Assistance
Tuesday, Thursday
9:30 am – 12:00 pm