If you are behind on your bills, there’s a good chance that you may receive phone calls from creditors who hope to collect payments. While they may do everything they can to get you to pay, the Fair Debt Collections Practices Act (FDCPA) prohibits them from using deceptive, unfair, or misleading practices when attempting to collect a debt. Debt collectors are prohibited from calling you repeatedly, calling you at work, calling you late at night, contacting your friends and family, and threatening and insulting you.
However, many debt collectors will persist, even if they have to break the law. Below are a few ways that you stop those harassing collection calls once and for all:
- Seek legal help: If the situation gets worse, you should immediately contact a consumer law attorney and get legal guidance. An experienced attorney can advise you on the appropriate course of action to take. They can also talk to creditors on your behalf and represent you in court.
- Settle your debts: A settlement with the collection agency is a good solution to avoid harassment. Contact a debt settlement company and ask them to help you settle your debts by making a lump sum payment lower than what you owe.
- Take the creditor to court: If you believe that the collection agency is breaking the law or you don't owe the debt they’re claiming, you can sue the collection agency in small claims court. An attorney can help you build your case.
- Cease & desist letter: You can send a cease and desist letter to the collection agency and ask them to stop communication with you. Your lawyer can help you draft and send the letter.
- Keep a log of continued harassment: Once you send a cease and desist letter to your creditor, they should stop all communication. If the harassment continues, keep a log of any further harassment. You can use this against them in court.
If creditors are harassing you and your rights have been violated, you may be able to sue. Contact our Northbrook consumer law attorneys at Bach Law Offices to determine if you have grounds for a lawsuit. We can help you receive compensation to reflect the damages suffered during the process.Call (847) 448-0025 or contact us online to speak with a representative.