When bill collectors call
If you are receiving harassing calls from a collection agency you can
Fair Debt Collection Practices Act
Written to protect you and your family from debt harassment. Get a copy
of the Act at www.ftc.gov. You do have
rights! When Collectors call, start by asking permission to tape record
the conversation so that there will be no misunderstanding. Legitimate
Collectors will not mind being recorded. Then ask the caller for his or
her name and name and address of the collection company they are working
Many times these third party agencies (collection agencies), will call
you before they send any notice in the mail. If you have only received
calls and no written notices by mail then when they call say something
“I haven’t any documentation from you or my bank, I
am doing business with, stating that you are handling this account.
I don’t have any agreement with your company. You will need to
send me something in writing by mail before I will respond to you. I
will need to have all correspondence in writing. If you continue to
call, I will contact that state attorney general and the FTC (Federal
Trade Commission) and I will file a complaint against you for harassment.”
Once they have given you written notice then You can stop all phone calls
from a credit collector by sending them a written request to stop. Once
they have received your letter, they must stop calling mandated by the
rules of the Fair Debt Collection Practices Act. Should they continue
calling send a complaint to the Consumer Protection Agency.
There’s no cost or obligation.
To find out more about this or any of the other alternative solutions,
please complete this simple form. Or call toll
free Monday thru Friday 12pm to 6pm EST at Toll Free (866) 560-8585..