Debt Relief Tips – How To Stop Harassing Debt Collectors
Learning how to stop debt collectors harassment is as simple as learning about your rights under the FDCPA (Fair Debt Collections Practices Act)
. Learn when collection attempts are considered harassment under the act. Once you have the information you can stop debt collectors and their harassment and then work on becoming debt free.
If debt has piled up to the point where you have collectors calling and mailing you and even costing you money by calling your cell phone then it is time to invoke your rights under the FDCPA (Fair debt collection practices act) and stop debt collectors.
Credit card companies do not commonly handle collections themselves but instead turn it over to a third party agency. This agency collects a fee that is contingent on you paying the debt and very possibly collection fees. They are in fact so zealous in their collection they may well overstepping the bounds of the law.
However, there are constraints on how a debt collector may contact you and when they may call as well. Time limitations such as calling only between the hours of 8 AM and 9 PM (your local time) are part of the protections afforded the consumer to stop collectors from abusing the consumer in an effort to collect a debt.
After the first phone call or contact attempt a mail must be sent to you within 5 days there will be an insert that tells you of your right to demand verification of the debt. If you do not believe the debt is owed you can request verification. While verification is pending, it will stop collectors from calling about that debt. If verification is not provided, then the law requires that the agency stop debt collectors from any further attempt to collect on that debt.
If collectors are calling using abusive or obscene language then your rights under the FDCPA (Fair Debt Collection Act) say you not only have the right to complain and stop debt collectors from calling you but also to initiate a suit against that bill collector.
If you agree you owe a debt that has gone into collections, then you are struggling to make ends meet and a debt collector calling and harassing you is not going to help you make good on the debt. Instead, invoke your rights under the FDCPA and stop debt collectors from harassing you while you seek solutions to your credit problems.
Debt Relief Tips How To Stop Harassing Debt Collectors