Debt Harassment is a problem that negatively affects millions of people across the United States each year. If you’re reading this article it may be happening to you. The good news is that you have consumer rights and no longer need to put up with it. Your days of being stressed about collection agents calling you at home or at work are over. You will now be able to sleep at night without worrying about being harassed by a debt collector or multiple debt collectors. It’s important that you know your rights. That way you can put a permanent stop to it.
The Fair Debt Collection Practices Act (FDCPA) states that debt collectors can’t harass, oppress, or abuse you or anyone else they contact. Debt collectors are not allowed to harass you by mail, telephone, or in any other way. They can’t yell at you or call you names over the phone. They are not allowed to call you countless times each day, or call you in the early morning or late at night. If you do not want to talk to a bill collector anymore you can hang up. First say why you are doing this.
For example, they are being loud and abusive, or you have no money to pay them at this time. If you are being harassed by creditors and or collection agents you should write to the creditor in order to demand that they stop bothering you. This is called a “Cease Communications Letter.” Send this letter by certified mail, return receipt requested. Save a photocopy of this letter and the return receipt as evidence. The debt collector can call to verify that you sent the letter but should not contact you anymore at this point.
The Cease Communications Letter will inform the debt collector to stop contacting you. If you wish, you may explain why you are unable to pay, or the reason that you feel that you should not have to repay the debt. Once the creditor receives that letter they may only contact you one more time, and that is to let you know that they have received it and what they plan to do with your account. If they contact you more than that one time they are in violation of the Fair Debit Collection Practices Act.
That means you may very well have a legal claim against them. You need to know that a Cease Communications Letter will not eliminate the debt for you. It only means that the collection agency or debt collector needs to stop contacting you about it. The bottom line is that they can still sue you in a court of law.
If you feel that you are being treated unfairly by a creditor or collection agency, please contact us immediately. Legal Rights Advocates, Inc. is a consumer advocate law firm that focuses on consumer rights protection services across the Unites States. We have well over twenty-five (25) years of combined experience helping consumers that are experiencing Debt Collector Harassment, Social Security Disability issues, and a whole lot more. LRA is truly your consumer rights advocate. We take great pride in the fact that our job is to protect you from deceptive and or abusive debt collection practices.
LRA is an accredited member of the Better Business Bureau, and we have well over 500 Five Star Rating Reviews online from across the United States. Our goal is to assist you each and every step of the way regarding your rights for consumer protection. Please call us today for more information at 855-254-7841 or click here to visit our website. We look forward to working with you.