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Creditor Harassment: What You Need To Know

Having debt and credit problems is stressful enough. However, when your creditors start harassing you with threats via phone calls and letters, you can reach a breaking point. It’s important to know your rights when a creditor is contacting you to collect and to take quick action to assert your rights.

What should I say to the debt collector?

You might be able to resolve the issue by talking to the collector, especially if you don’t actually owe the debt or you think the collector is calling you mistakenly. If you decide you don’t want the collector to contact you again, you need to tell them, in writing, to cease and desist.

Can debt collectors call at any time?

A debt collector cannot contact you at inconvenient times or places.  They cannot contact you early in the morning or late in the evening, unless you agree to it. Collectors also cannot contact you at your place of employment if you have told them not to call you there. >

Can I tell the collector to stop contacting me?

Yes. You should write a cease and desist letter and send it to the collector by certified mail. If you request a return receipt, you will have proof the collector received the letter. After that, the collector should only contact you to inform you there will be no further contact or that the creditor intends to take action against you.

Will sending a cease and desist letter get rid of my debt?

No, it won’t. It only means the debt collector will have to stop contacting you. They can still sue you in court to receive payment for the debt.

What can I do if the collector still won’t stop harassing me?

If you have given the collector written notice and you are sure they have received it, you can sue them. The Fair Debt Collections Practices Act is a federal law designed to protect consumers from unfair and abusive behavior by debt collectors.

If you’re being contacted by a creditor or have questions about your debt, contact a qualified attorney to help you evaluate your options.

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