Section 806 of the Fair Debt Collection Practices Act states in part that a debt collector may not harass, oppress, or abuse any person in connection with the collection of a debt. One example of such activity involves using threats (including implied threats), violence, or other criminal means to harm anyone's reputation, property, or physical person.
Collector Harassment Involving Withdrawal
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Multi-State
Control #:
US-DCPA-18.1BG
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Word;
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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
Making a complaint about a collection agency If you feel that the debt collector you're dealing with isn't respecting your rights, contact the appropriate regulator.
If you are struggling with debt and debt collectors, Farmer & Morris Law, PLLC can help. As soon as you use the 11-word phrase ?please cease and desist all calls and contact with me immediately? to stop the harassment, call us for a free consultation about what you can do to resolve your debt problems for good.
Don't pay, don't promise to pay and don't give any payment information the collector may use later. Ask for information on the debt and say you'll call back to discuss it later. Making a single payment ? even just $5 or $10 ? is an acknowledgment of the debt and can have serious repercussions.
You can also say you'll take legal action if there is any further harassment. You can request the collector only contact you in writing or through your lawyer. They're legally obliged to cooperate. Also, consider sending a written letter outlining your proposal for paying back the debt.
Steps You Can Take to Stop Collection Harassment in Canada Send A Letter. Send the debt collector a written letter which states that you believe they are breaking the law and they should cease doing so immediately. ... Report Harassment to Authorities. ... Get a Lawyer Involved. ... If Possible, Pay Your Debts in Full.
