Do you get harassing phone calls from creditors? Does the phone ring late at night or early in the morning because of overdue bills? Do you know what they are doing is illegal?

Laws Protect You

There is a law on how collectors can go about doing their jobs, without unnecessarily causing inconvenience or harassment to the debtors. Case in point, they can only call between 8 am and 9 pm. Collectors also cannot call at work if they know that you are prohibited from taking personal calls.

There is a law on how collectors can go about doing their jobs, without unnecessarily causing inconvenience or harassment to the debtors. Case in point, they can only call between 8 am and 9 pm. Collectors also cannot call at work if they know that you are prohibited from taking personal calls.

However, even if the collector stops calling, you cannot forget about your debts entirely. You still have to pay up. In order to come up with a resolution, talk to your debt collector when he calls you. Do this, regardless of whether or not you can pay back the debt. You can at least get the details of your debt. After the call, the collector must send a written validation notice. This notice detail how much you owe and the name of the creditor to whom you owe the money. Another requirement – they have five days to send you the notice.

Make it Stop!

Should you wish to stop collectors from contacting you again, ask for the collection agency’s mailing address. Then send them a letter instructing them to stop contacting you. Make sure to retain a copy for your file. Send the original by certified mail, and pay for a “return receipt.” This will prove that the collector received it. The collector is not allowed to contact you once the letter is received. There are two exceptions. The first is to tell you there will be no further contact. The second is to inform you that they or the creditor are going to take a specific step. An example would be a legal action.

The letter you sent may stop the harassing phone calls, but it will not settle the debt you owe. The creditor or the collection agency may still sue you to pay for your debts.

Don’t let harassing phone calls from creditors stress you out. Contact us to learn more about dealing with not just collectors, but also your debts.

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