You live a modest lifestyle in the Green Bay area and are current on most of your bills. However, you have a few bones in your closet that have some creditors calling you nonstop. Though you might not dispute ownership of those debts, you do not believe you should have to pay them. Regardless of your reasons, you should not have to live in fear of creditors calling your job or bombarding your email and physical mailbox with threats if they do not receive payment.
Some collection agencies and bill collectors ignore the law and use illegal scare tactics to get people to pay them. Regardless of your intentions with those delinquent debts, learn how to put an end to creditor harassment.
Do not make assumptions
Many people assume their creditors are going to be mean and nasty when they talk to them on the phone. Not all collection workers are like that. Some of them are very polite and willing to work with you as long as you let them know what is going on and not try to dodge them. Keep in mind that some collectors can become quite aggressive, especially if you are aggressive towards them. Anytime you communicate with your creditors, stay polite.
You might not realize it, but creditors must obey the law when they attempt to contact you. Creditors must follow the Fair Debt Collections Practices Act. Some of the things they cannot legally do include the following:
- Threaten your freedom or welfare
- Make your debts and situation public
- Call your employer without your permission
- Not disclose their identity and reason for calling
- Mention your debts to friends, family and others
- Use deceptive collection tactics
- Call you before and after certain hours of the day
You might not realize it, but creditors must obey the law when they attempt to contact you. Many people do not know what their rights are when it comes to bills and debts. Most creditors provide basic information on some of their rights when they open up accounts.
If you no longer have documents regarding delinquent bills, you can request them. Creditors must provide it. However, for debts that are really old, you might have to resort to using an attorney. Also, an attorney can inform you of your rights and offer guidance on your next steps.