subject: Stop Bill Collectors [print this page] Ending up in trouble financially because you have debt causes continuous worry. Not only does worrying about past due payments and finding cash to pay your bills bring you stress, but the constant phone calls from debt collectors can be a continuous pain in the neck.
If there is anyone who is known for aggression, it is debt collectors. Fortunately, legally you have certain rights when you are doing business with these companies. Just take these steps and stop debt collection harassment in its tracks.
Step 1: Know Your Rights. Consumers have protections against debt collectors conferred by federal and state statutes. There is a federal law in place that protects consumers against debt collection harassment. It is called the Fair Debt Collection Practices Act or FDCPA. There are other protections provided by laws from states. If you want to learn more about your rights, consult a lawyer or paralegal practitioner in your region. The Federal Trade Commission maintains a website where debt collection rules can be reviewed: FTC.gov.
Step 2: Halt the Calls. Under the FDCPA, you have the right to request all debt collectors cease calling you. Debt collectors must comply with your demand that they stop calling you, however, they may still sue you in court. It is possible to state your demands verbally, however, this isn't always effective. Via certified mail (or other verifiable means of delivery) send a letter to the debt collection company. Additionally, debt collectors cannot give you a call prior to 8:00 AM and after 9:00 PM. The FTC could receive a report of the violation from you, as this is your right.
#3: Maintain Records. Every time you receive a letter from debt collectors, a telephone call or any other form of communication, you should take note of it. Although some states don't let you record a telephone conversation without the caller knowing it, a lot of states do. Get in touch with an attorney to find out if you can legally record calls. Even if you are not allowed, you can still maintain phone records. Anytime a debt collector calls you, make a note of any relevant aspect of the call. For example, you will want to be sure to write down any terms they may offer as well as the time, date, caller's name and return phone number. This will serve as evidence for complaints later, and it will also protect you. Additionally, be sure to keep a complete phone log with a record of each and every call.
