6 Ways to Stop a Collection Agency from Harassing You
A person who is under constant harassment from a collection agency knows just how agonizing it is to get constant phone calls and other communication. This may happen if one is behind on some bills, or even accidently targeted through a case of mistaken identity. It does not have to have such a big impact on a person’s life, though. There are things a person can do to stop the harassment from happening. The Fair Debt Collection Practices Act prevents debt collectors from taking certain actions, like those that are deceptive, unfair or abusive towards consumers.
- The first thing a person can do to stop a collection agency from harassment is to try to speak with someone from the agency in efforts to resolve the issue. It may be a mistake, and perhaps one does not even owe anything to the collector at all. A simple phone conversation may clear things up.
- If one does not want the agency to keep up the harassing phone calls, they can put it in writing. The letter should instruct them to stop calling. Be sure to copy the letter for a personal file, and send it by certified mail. A return receipt will help track that the agency received it.
- Another way to stop the unwanted communication is to hire an attorney. The agency behind the phone calls will then have to contact the attorney, and not the person they believe has the outstanding debt.
- If a person does not feel they are getting anywhere with efforts to stop the collection agency from those harassing phone calls, they can report problems to their state Attorney General’s Office. Some states have individual debt collection laws that may also be to their benefit.
- A person can also report problems to the Federal Trade Commission. The FTC can help ensure that the federal Fair Debt Collection Practices Act is applied, and that the company doing the harassing is following the law.
- A person may also sue a collector in either federal or state court within one year if there is a provable violation by the collection agency. Remember, one does not have to accept harassing calls. Make sure the person on the other end of the phone line is acting responsibly and in accordance with the law. Not only will this save time and money, but also it cold affects a person’s credit history for years to come.