Remember Me
forgot your password?

What to Do About Collection Agency Harassment

When the collector calls you an excessive amount of time per day that is one form of harassment. This harassment can be stopped. You have protection under the law against certain abusive tactics that some collection agencies employ.

In the state of Texas, business solicitation calls can not be placed before 8 am or after 8 pm your time. That means that if a collection agency calls you before or after those hours, its harassment. You have the legal right to hang up under this condition.

Another common ploy they use in harassment is to threaten you. This is very serious harassment. These are some of the types of verbal threats they may use against you: saying that they will send out a police officer, or telling you they will freeze your accounts. Any statement that they make like this has to be lawful and they have to really intend to take action. If you receive this treatment you should check the federal and state laws to see if they can make the threat good.

The government is the only "person" able to freeze your accounts. Don't believe a collector when he tells you he can do this. They may claim to be a lawyer and they better be one if they say they are. Otherwise, the collector has violated a federal law. They use this tactic because it sounds very serious and will intimidate a lot of debtors. Don't let them intimidate you into forfeiting your right to being treated correctly under the law. Do learn about your rights.

They would have to have filed a warrant and have a court order to bring you in from your home, which is usually not an option for them to exercise.

The most basic way to stop harassment is to place a privacy manager on your phone. If anyone with an 800 number or other specific identity you don't want calling you calls, then you can set it to make them go through a recorded announcement before they reach you. You can also use caller ID to help screen your calls.

If you want to find more legal options for yourself, you can contact a lawyer in your area or look up the information on the internet. The first law to look for is The Fair Debt Collection Practices Act. You may have the grounds for a lawsuit.

Before the collector can try to collect the debt, he must state that it's an attempt to collect a debt and any information attained will be used for that purpose. He also has to tell you that the call may be recorded.

You can record the collection calls too. Recording the calls is a good measure to take to protect yourself in case the collector is verbally abusive, such as screaming at you, or cursing you. If you do want to record them then you have to tell them you're recording the conversation so it will be admissible evidence of harassment in court.

Learn the federal and state laws concerning the collection of debts laws. That way you know what the collectors can legally do when attempting to collect a debt.

Tristan Andrews

Tristan Andrews is a freelance author who writes articles about Collection Agencies and Commercial Collections.

Rate this Article: 0 / 5 stars - 0 vote(s)
Print Email Re-Publish

Add new Comment



Captcha
0
1. Mayra (18:01, 28.09.2009)
I am getting a call from a man that says his is an officer from new york. My manager has already told him to stop calling. but continues and that he is going to send an officer to my job. I dont know how he even got my work number. how or where can I report him?

  • Latest Regulatory Compliance Articles
  • More from Tristan Andrews

Small Claims Court

By: junaidahmad1 | 25/11/2009
Johnny B. Good entered the store with a photo of seven rolls of film for development. "I want my honeymoon photos developed as soon as possible. We were in Italy, and I took the most amazing pictures in my life," he said. "No problem, replied the clerk at the photo shop." We will have them ready by the end of the day, "she said. After work, Johnny returned to the photo store to claim his developed pictures." Wow, you're sure you bring them?

MLM Secret You Should Know

By: Terry Wg | 24/11/2009
MLM success is within your reach if you just know the ins and out of MLM network marketing.

Real Estate Laws in Louisiana: What You Should Know as a Property Owner

By: Andre Savoie | 24/11/2009
One of the many unique attributes of the state of Louisiana is our legal code. Unlike the rest of the states in America, the laws in Louisiana are based on the French civil code, also referred to as the French Napoleonic code. Read more about how this may impact you if you own or are considering buying real estate in the state.

Does Your Bankruptcy Law Firm Need Both Attorneys And Accountants?

By: marryzalaa | 11/11/2009
Recent changes in U.S. law made declaring bankruptcy a much more complicated matter. Chapter 7 is the most common form of bankruptcy requested by debtors and does not require repayment

Does Your Bankruptcy Law Firm Need Both Attorneys And Accountants?

By: simon | 06/11/2009
Recent changes in U.S. law made declaring bankruptcy a much more complicated matter. Chapter 7 is the most common form of bankruptcy requested by debtors and does not require repayment

How To Earn Serious Income By Selling Your Photos Online

By: Andrew Edgington | 05/11/2009
Why not get Dan Feildman's free report that reveals how easy it is to start up a Stock Photography Business, and how to make money selling your photos online

The Law Relating to Transfer of Shares

By: acicoinvestments.blogspot.com | 24/10/2009
The stock market has become the backbone of many economies in the world. Unfortunately, those who are engaged in such markets know little or nothing.......

Does government regulation prove to cause more harm than good?

By: Lori Pritchard | 18/10/2009
Does government regulation prove to cause more harm than good? This issue has been of great debate since Richard Nixon initiated a federal role in nursing home regulation during the early 1970s

What Are Collection Agencies?

By: Tristan Andrews | 08/05/2008 | Credit
When you hear about collection agencies, do you think about commercials like the one in which someone is avoiding the phone because they're dealing with a mountain of debt?

The Difference Between Good and Evil Concerning Collection Agencies

By: Tristan Andrews | 26/04/2008 | Regulatory Compliance
When you are dealing with collection agencies the first thing to understand is that not all of them are like the ones you see in the debt counseling commercials. Some are respectful of your rights under the law.

Hints and Tips For Finding The Perfect Elementary Tutor

By: Tristan Andrews | 25/04/2008 | Education
Whether you're looking for a tutor for your second grader in science or your sixth grader in reading, you'll need to know how to make the best decision. There are many things to consider when you're looking for a tutor.

The Benefits and Cost of Tutoring

By: Tristan Andrews | 25/04/2008 | Education
The basic benefits of tutoring for society are that it improves academic skills, builds self esteem and confidence, develops positive attitude towards school, offers positive role models, improves social skills, slows down truancies and drop out rates.

Will A Tutor Really Help My Child?

By: Tristan Andrews | 24/04/2008 | Education
When your third grader comes home with a C in math, after you've tried to motivate him by paying him for good grades or taking him to the zoo, and you've tried every other bribe you could think of that appealed to him and still it didn't work. You are indeed a frustrated parent.

Collection Agencies and the Law

By: Tristan Andrews | 24/04/2008 | Regulatory Compliance
Collectors have to study and pass tests with their companies in many cases before they become collectors. They know the laws that they legally must adhere to as collectors and they can actually be fined for breaking the law.

What to Do About Collection Agency Harassment

By: Tristan Andrews | 24/04/2008 | Regulatory Compliance
When the collector calls you an excessive amount of time per day that is one form of harassment. This harassment can be stopped. You have protection under the law against certain abusive tactics that some collection agencies employ.

Should You Get A Tutor for Your Preschool Child?

By: Tristan Andrews | 24/04/2008 | Education
When you start considering what your child is capable of learning - how his mind is like a sponge or an empty computer disk that is going to be filled with something, you begin to wonder if you should get someone more qualified to teach him.

Submit Your Articles Free: Signup
Article Categories




Use of this web site constitutes acceptance of the Terms Of Use and Privacy Policy | User published content is licensed under a Creative Commons License.
Copyright © 2005-2008 Free Articles by ArticlesBase.com, All rights reserved. (0.66, 2, w1)