Debt Collection Harassment

During difficult economic times, many people find themselves in a financial situation where they are unable to keep up with their bill payments

. Every year, millions of people end up with unmanageable outstanding debt. The recent financial crisis has made it even more difficult for people to pay their bills. Unfortunately, debt collection practices have become even more dishonest and heavy-handed. The result is often an unrelenting series of tormenting creditor phone calls at all hours of the day and night. Although it is the law that a debt collector must stop contacting people who send them a cease and desist letter, there are many creditors who ignore this law and will continue to harass debtors, their employers, as well as their family. If you find yourself harassed by debt collectors, it is important to be aware of your rights and what you can do to stop the stressful and upsetting phone calls. The Federal Fair Debt Collection Practices Act prohibits debt collectors from engaging in unfair debt collection practices such as making false statements and threatening people. When a debt collector crosses the line, you need to action to stop the distressing collection calls. The first thing you can do is to try and resolve the problem by talking to the creditor. You should answer the phone and try to find a solution such as offering an affordable repayment plan. As well, ask the debt collector to mail you a copy of the details of the debt. If the collector will not resolve the issue and continues to make tormenting phone calls, send them a written cease and desist letter. After trying to resolve the problem through negotiation and writing a cease and desist letter, and the harassing collection calls do not stop, you should contact an attorney that specializes in fair debt collections. The law mandates that if a debtor has a lawyer, the debt collector must stop contacting the debtor and correspond only with their lawyer. As well, if the attorney looks at the situation and finds that the debt collector has violated the Fair Debt Collection Practices Act, you can sue the debt collector. If you are considering suing, it is important to write down all instances where the collector called such as the time of day, the length of the call, and what they said to you. It would be extremely beneficial to record the phone calls. As well, it will also help your case if you have filed complaint with the Federal Trade Commission and your state Attorney Generals office. It will likely not stop the illegal practices, but it will show that the harassment caused such distress that you had to take steps to stop the debt collectors collection calls. The current decline in the economy has left millions of Americans unable to dig themselves out of debt. There are many debt collectors that are now ruthlessly pursuing them. If there is a harassing and abusive debt collector that is causing you emotional upset, you need to know that you have rights and what they are doing is not only unethical, but also illegal. An attorney with the experience and knowledge about the Fair Debt Collections Practices Act can provide valuable assistance in resolving the problem. Take action today andstop the harassing collection phone calls.

Debt Collection Harassment

By: Tracy Roberts

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