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  • Writer's pictureSubhan Tariq, Esq

How To ProtectYourself From Debt Collection Harassment

Debt collection harassment is a serious problem affecting many people struggling to pay off their debts. Debt collectors are known for using aggressive tactics to try to collect money, which can be intimidating and stressful for consumers. However, there are several steps that you can take to protect yourself from debt collection harassment.

Know Your Rights

The first step to protecting yourself from debt collection harassment is to know your rights. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection practices. Under the FDCPA, debt collectors are prohibited from engaging in certain types of conduct, such as using threats or profanity, calling you at work if you've told them not to, or misrepresenting the amount you owe. If a debt collector violates your rights under the FDCPA, you may be able to sue them for damages. You can read the blogs on our website for more information on these.

Keep Records

It is important to keep records of all communications with debt collectors. This includes phone calls, letters, and emails. Keep a log of the date and time of each communication, the name of the person you spoke with, and what was said. If you receive a letter from a debt collector, keep a copy for your records. This will help you to document any violations of your rights under the FDCPA.

Respond in Writing

If you receive a phone call from a debt collector, ask them to send you a written notice of the debt. This will give you more information about the debt and your rights. It is also important to respond to any written communication from debt collectors in writing. This will help you to keep a record of your communication and to ensure that you are not subject to any further harassment.

Don't Ignore the Problem

Ignoring a debt collector will not make the problem go away. In fact, it may make the situation worse. If you are having trouble paying off your debts, it is crucial to address the problem head-on. Contact your creditors to discuss your options. You may be able to negotiate a payment plan or a settlement. If you cannot pay your debts, you may want to consider speaking with a credit counseling service or a bankruptcy attorney.

Block Their Calls

It can be very stressful if debt collectors call you multiple times a day. You may want to consider blocking their calls. Most smartphones have a feature that allows you to block calls from specific numbers. You may want to consider using a call-blocking app if you receive calls from multiple numbers. This will help you to avoid the stress of constant phone calls.

Seek Legal Help

If you cannot resolve the issue alone, you may want to seek legal help. We are attorneys specializing in consumer law and can help you understand your rights and options. We can also help you to negotiate with debt collectors or to sue them if necessary. If you cannot afford an attorney, you may be able to find free or low-cost legal services in your area.

To sum it up, debt collection harassment is a serious issue that can cause a lot of stress and anxiety. However, there are several steps that you can take to protect yourself. By knowing your rights, keeping records, responding in writing, addressing the problem head-on, blocking calls, and seeking legal help, you can protect yourself from debt collection harassment and get back on track with your finances.

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