How to Stop Collection Calls
Anyone who has been delinquent in paying a bill knows that debt collectors can be very persistent in attempting to collect on a debt. However, when persistence becomes annoyance and harassment, you can make those bill collector calls stop – once and for all.
The Fair Debt Collection Practices Act (FDCPA) prohibits third party debt collectors – those which purchase previously non-collectable debt for pennies on the dollar – from using deceptive and abusive practices.
Steps You Can Take To End Harassment
Here are six steps you can take to make bill collectors stop calling you.
This should put an end to harassing behavior:
- Demand that they stop calling. Under the FDCPA, consumers can send debt collectors a letter demanding that they cease all communications with you – except for a situation in which they are attempting to get a judgment against you. Once they receive that letter, the calls must stop.
- Confront debt buyers. Although many debtors would understandably not want to bother with debt buyers, it’s generally best to find out what they want, have them verify the debt and put everything in writing. That puts the ball in their court – and makes the calls stop.
- Document – everything. One of the most overused legal terms is likely “document, document, document.” That’s especially true when dealing with debt collectors. Keep a log of every call you receive from a debt collector, write down the date you received the call, the number called from, the identity of the debt collection company, what was said during the call and keep every letter you receive. Having documented evidence can be very helpful if you decide to turn the tables and file a lawsuit against the debt collector (see below).
- Inform the FTC. The Federal Trade Commission (FTC) oversees collection agencies in the United States. File a complaint with the FTC and send a copy to the debt collector and the state agency that oversees collection agencies in your state. This should help in getting the calls to stop.
- File a lawsuit. Consumers who have experienced harassing, threatening, abusive and deceptive behavior from debt collectors can, and should, file a lawsuit against them. If a violation occurs, the FDCPA provides for up to $1,000, attorneys’ fees, court costs, and in some cases actual damages. It’s always best to discuss your situation with an experienced debt collection attorney so that you can evaluate your legal options and get everything for which you may be entitled.
- Put the Florida Debt Fighters to work on your case. Contact the experienced debt collection practice attorneys at Florida Debt Fighters. We know the tricks creditors use to collect debts. We can help you put a stop to the calls, e-mails and letters – once and for all.