If you are one of millions experiencing problems with debt you are probably familiar with the harassing techniques of debt collectors. Repeated phone calls to threatening letters in the mail, these collectors aren’t afraid to do what it takes to collect; sometimes even going so far as to call your workplace or contact you on social media. You don’t have to subject yourself to that, and you do have rights to fight back.
If you have had debt collectors calling you at work, calling your boss, or contacting you through social media you should know that this not an approved procedure. The Fair Debt Collection Practices Act has outlined rules for debt collectors to follow when attempting to collect on a debt. However, not all collectors follow these rules. Some of the prohibited practices are:
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact.
False statements. Debt collectors may not lie when they are trying to collect a debt.
Making threats. Debt collectors may not threaten you with lawsuits or other consequences for nonpayment.
Misrepresent themselves. Debt collectors may not give false information about their company, who they represent, or provide inaccurate financial information.
Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt.
Calling your workplace or boss is not acceptable and must be stopped at your request. Send written request to the debt collector requesting that they stop contacting you at work. While it can be tempting to ignore debt collection calls, reasons like this are why it is important to take the call at least once to find out some crucial information. By finding out who the debt collector is representing and requesting them to send written verification of the debt, you can better manage your debts without the interference of debt collectors.