Aggressive Advocates For Your Rights

What to do when debt collectors harass you

In the past, debt collection agencies would employ various disingenuous tactics to try to get people to pay. In 1977, the Fair Debt Collection Practices Act became a federal law. It received amendments in 1996, and it prevents debt collectors from utilizing certain tactics because the law classifies them as abuse. 

There are many ways creditor harassment can occur. It can involve calling at unreasonable hours late at night or threatening the individual with arrest. If you experience any of this, there are some steps you can take. 

Inform the caller of the abuse

If you have a creditor contacting you several times a day, then you can say that you only wish to receive calls at a specific time when you are not at work. In the event the abuse continues, then you can take further action.

Document harassment

One tactic is to send a letter to the collection agency to get them to stop with the harassment. Keep a copy of this letter for yourself and keep track of the date you sent it. If the creditor uses abusive language over the phone, then you can record the conversation in case a lawsuit arises from this situation. 

Hire an attorney

When the harassment becomes too much, you can hire a lawyer to send the letter to the collection agency informing the people there to stop. These agencies are much more likely to take this letter more seriously than one you send on your own. 

Take legal action

Before taking legal action, you need to file an official complaint with the Federal Trade Commission. The goal of this lawsuit may be to simply get the abusive phone calls to stop, but perhaps you want to collect damages. For example, the constant phone calls may have resulted in lost wages you want to recover. Before heading into a lawsuit, you need to keep in mind the collection agency can countersue to try to collect the money you owe. 

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