Learn more about the Fair Debt Collection Practices Act - FDCPA - and how it protects you from debt harassment. Article by Info Articles.
Debt collection harassment is an annoying and embarrassing experience for anyone to go through. Luckily, there are ways to stop debt harassment, if you know your rights. The first and simplest way to stop a collection agency from harassing you is to send a cease letter. Collection agencies are required by federal law to stop contacting you once they receive this letter.
Your cease letter does not have to explain why you are not paying the debt, though many people do add this information. If it is possible it's a good idea to have this letter sent via certified mail so that you can prove they did in fact receive it. Always keep a copy of any correspondence you send as well, in case you need to refer to it in the future.
Another way to stop debt collection harassment is to hire an attorney. Federal law prohibits collection agencies from contacting you if they know you are represented by an attorney. While an attorney can be costly, if you are really being harassed they might be the best option to help you. They will know the most current laws and can be especially helpful if you have a valid reason for disputing the debt.
Most debt collectors will also give you an option of a work out agreement. This means that you will decide on an amount to pay, typically less than that of the entire debt, and agree on a debt repayment schedule. So long as you keep up on your end of the deal, the creditors should stop calling you for the most part. It's possible they will call you to remind you of your payments though.
Sometimes the debt collection harassment can be entirely in error. For example, it might be on an account you closed in good standing or might even not be your debt but that of someone with a similar name. If this is the case you should inform the collection agency in writing. Once they receive this request they will have to stop attempts to contact you while they investigate.
If all of these tips fall and you are still being harassed, you will need to contact a government agency. There are several government agencies that oversee and enforce laws that protect you from being harassed in this manner. It is best to start with a local government agency, if one is available, and work your way up to higher agencies as necessary.
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