If any debt collectors have been contacting you, they may be committing debt collector harassment. Debt collectors are supposed to follow a strict set of rules as enforced by the federal government. However, they don’t always follow that strict set of rules. When a debt collector breaks those rules, it’s called debt collector harassment. The following five (5) tips will teach you how to deal with collector harassment.
Tip #1: Keep the Conversation as Short as Possible
When debt collectors call you it’s important to keep the conversation as short as possible. You do not want to give them any information that they can use against you. Simply ask them to mail you a letter that clearly states the amount of debt you owe and the party that you owe the debt too. If the debt collector starts to harass you simply hang up the phone.
Tip #2: Document Everything
If a debt collector or multiple debt collectors are taking part in debt collector harassment, it’s key for you to document everything. For example, you should keep a log of everything the debt collectors are telling you. That includes their name, which debt collection company they work for, the account of accounts they are contacting you about, and exactly what they are saying. For example, if the debt collector informs you that they will have you arrested write that down. It’s a form of harassment.
Tip #3: File A Complaint with The Federal Trade Commission
If a debt collector or multiple debt collectors continue to commit debt collector harassment you can file an online complaint with the Federal Trade Commission or FTC for short. The bottom line is that you should not let them get away with it.
Tip #4: File A Complaint with The Attorney General In Your State
In addition to filing a complaint with the FTC, you can also file a complaint with the Attorney General in your state.
Tip#5: Hire an Attorney
If you don’t feel comfortable going it alone, you should hire an attorney who specializes in representing victims of debt collector harassment. They will help you file an online complaint with the FTC and the Attorney General. They will also contact the debt collectors on your behalf in order to put a stop to debt collector harassment. Your attorney may even file a lawsuit against the debt collectors on your behalf in order to help you receive compensation. Often time’s victims of debt collector harassment suffer serious damages.
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