You don’t have to put up with collection harassment from creditors. Since your payments are normally once a month, most credit agencies will (or not) email you to let you know your payment is due. It depends if you’ve set it up that way or not.
There are others who may call you, especially if you’re behind on the payments. They call enough, so that’s it’s just legal, but less than harassment. Of course, it depends on the credit agency and their company’s policy.
Everyone, especially these days, is falling behind on payments to credit payments. When you start to fall behind, the credit company calls you to let you know you’re late, at least most of them do; however, some do not. They usually call a week after your payment is due as a reminder. If you fail to respond, they will call you more often until they get to talk to you.
However, when you fall way behind on payments, they send your account to a credit collection agency. They call you to figure out a payment plan. If you fall behind on this collection, they start to harass you with phone calls and letters. They also can’t contact you before 8:00 am and after 9:00 pm, plus, they can’t contact you at work if you tell them you’re not allowed to receive personal calls.
There are cases of collection harassment where the collection agency calls several times a day and sends letters every day. This is illegal and you can ask them to stop by sending them a letter asking them to stop. The calls are considered abusive, unfair or deceptive practices and the Fair Debt Collection Practices Act enforces this practice.
First, you have to write a letter to the company that is harassing you with phone calls. Be sure to keep copies of all communications with the company and send it as certified mail and pay for the “return receipt” documentation. That will let you know they received the letter.
The collection harassment should stop; however, most of the time it doesn’t and that’s when you have to contact the FTC or the Federal Trade Commission. They are the national agency that deals with the Fair Debt Collection Practices Act. You can file a complaint with them for the company that is calling you all the time. Of course, this doesn’t make the debt go away, you still have to pay it, but it will stop the harassing calls and letters.
Always keep a copy of the communications with the collection agency. They will end up filing a lawsuit against you, but you’ll be better off if you have a copy of the harassment against you.
The collection agency may be resilient against all threats to stop the collection harassment and you may have to change your phone number or put a block on receiving calls from their number.
The best way to deal with collection agencies is to come to an agreement on a payment plan that works for both parties. You should know the laws you’re entitle to for protection against collection agencies using abusive, unfair or deceptive practices to collect a debt. You don’t have to tolerate their abuse.
For more information on your rights against collection harassment, contact the FTC.gov website and search for Debt Collection FAQs: A Guide for Consumers. You can also contact the National Association of Consumer Advocates at NACA.net for their debt collection practices they can help you with on the debt from the agency that is distressing you.
Mark Clayborne is the author of Amazon’s best-selling credit repair book –Hidden Credit Repair Secrets. For a Free Video Course on Credit Repair Click Here.