Stop Debt Harassment
Debt Collectors Are Not Allowed To:
- Harass you with daily phone calls to you or family or repeated calls with hang-ups
- Embarrass you by contacting your friends, family or neighbors
- Be excessively argumentative and rude including insulting, yelling or swearing at you
- Threaten you with threats of repossession; garnishment of wages; or threat to arrest.
- Call your workplace after you tell the debt collector to not contact you there
- Not providing written notice. Debt collectors must send you written notice stating the amount of the debt and notification that the debtor has 30 days to dispute the debt.
- Continue communication after disputing the debt. All communication must immediately stop when a debt collector receives your refusal or dispute letter.
- Contact you when they know you have an attorney
- Call you before 8 a.m. or after 9 p.m. on any day
If a debt collector is doing any of these items, it may be a violation and you may be entitled to compensation.
Steps You Can Take To Help Your Case
- Save copies of all letters and notices from debt collectors
- Save all text messages and voice mails from debt collectors
- Take screen shots or pictures of each call from the debt collector showing the date and number they called from
- Keep a log and notes of each conversation you have with the debt collector