Bill collectors can be notoriously pushy and rude. Thankfully, you do not have to tolerate their bullying. It is important to clearly understand both your rights and the rights of a collection agency in order to prevent illegal harassment. There are debt collection laws preventing creditors from harassing you – whether through annoying telephone calls, excessive letters, or unwanted personal visits to your home.
The Federal Trade Commission (FTC) has set rules for creditors to follow in all circumstances under the Fair Debt Collection Practices Act (FDCPA). This act prohibits creditors from the following, among other things:
What can you do if you’re being harassed? Many creditors will intentionally break the rules set by the FTC assuming that debtors do not have the energy to fight back. To avoid and stop unwanted and illegal creditor interaction, consider these tips:
The best way to end harassment is by understanding your rights and acting on them. Then you can work towards paying your debts as your circumstances allow.
If you’re looking for qualified and trusted Metro Detroit lawyers, please call Firebaugh & Andrews for your Free Consultation 734-722-2999