Harassment Collect Collector Without Consent
Description
How to fill out Letter Informing Debt Collector Of Harassment Or Abuse In Collection Activities Involving Threats To Use Violence Or Other Criminal Means To Harm The Physical Person, Reputation, And/or Property Of The Debtor?
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FAQ
The essential phrase to tell a debt collector is, 'Stop calling me and send me written verification of the debt.' This statement is crucial for asserting your rights and can deter further communication aimed at harassment. If a collector pursues you without consent, this phrase can empower you to take control of the situation.
There are laws to prohibit debt collectors from placing repeated or continuous telephone calls to annoy, abuse, or harass you or others who share your phone number. They're also prohibited from communicating with you at times or places that are inconvenient for you.
Debt collectors violate the Fair Debt Collection Practices Act (FDCPA) when they harass, oppress, or abuse you. It's harassment when debt collectors: Place repetitious phone calls or use electronic communications ? such as text, email, and social media messages ? intended to harass, oppress, or abuse you or any person.
If you believe a debt collector is harassing you, you can submit a complaint with the CFPB. You can also contact your state's attorney general. Learn more about debt collection.
Either way, they can't sue or threaten you over it. If you're in a state where a debt collector can contact you about a time-barred debt, they can keep contacting you by phone, email, or letter to try to collect what you owe. If you want to stop a collector from contacting you, send your request by mail.
If you believe a debt collector is violating the law, you may report your complaint with the Attorney General's Office. The Office uses complaints to learn about misconduct.
