Debt collectors are known for their aggressive ways. Often calling you repeatedly. Sending threatening letters. Making bold claims about asset seizure or jail time. The reach far and wide to get their money. In some cases, they may even harass you for debts you don’t owe. Dodging debt collector harassment is possible. You have rights and can fight back.
Dodging Debt Collector Harassment
First, know your rights. The Federal Trade Commission has rules that collectors must follow. Collectors are not allowed to call you before 8:00 a.m. or after 9:00 p.m. They must also send you a written letter to validate your debt at your request. Also, any threats, intimidating comments, or bad language is prohibited. Collectors are required to be honest. They cannot give you false information about your debt. They also must identify themselves honestly. While many collectors do stay within the rules, many don’t. As a result, any violations of these rules give you the right to report them to the Consumer Financial Protection Bureau.
Another strategy for fighting back is to send a written letter to the collector. Ask the collector to stop all communications. Take your letter to a professional for more help. Working with a trained professional can keep you safe from creditors. A bankruptcy attorney Dayton OH can review all of your debt relief options with you. Further, you may be able to put an immediate stop to creditors.
Maybe filing for bankruptcy is right for you. Bankruptcy offers immediate protection from creditors. If you are struggling with debt payments bankruptcy may eliminate them. If you are worried about foreclosure, bankruptcy may help you keep your home. Your attorney can guide you to an educated decision about your debt. Most of all, you don’t have to suffer with collections another day.