Phoenix Bankruptcy Law News

How to Make Aggressive Debt Collectors Pay

Being saddled with debt is already stressful enough without having to deal with an aggressive debt collector. Fortunately, the Fair Debt Collection Practices Act prohibits debt collectors from harassing debtors in many different circumstances.

Under the FDCPA, debt collectors are prohibited from calling at unreasonable hours, repeatedly and continuously calling, threatening legal action, using abusive language, showing up at the debtor’s workplace, or deceiving the debtor. Below, we’ve included a few ways to combat aggressive debt collectors, should you find yourself the victim of illegal debt collection practices.

Write a Letter

If you’ve been harassed by a debt collector, the first thing you should do is write the debt collection agency a letter explaining the situation and asking them to stop the illegal practices. Under the FDCPA, the agency must follow your request.

File a Complaint with the FTC

If contacting the company doesn’t stop the harassment, you can file a complaint with the Federal Trade Commission. You can write the commission a letter or fill out an online form at the FTC website. Make sure to include the name of the collection agency, the dates and times it contacted you, the names of any witnesses, and copies of any written or recorded communications you’ve had with the agency. It’s important to keep records of all instances of harassment or abuse.

Sue the Agency

If all else fails, you can sue the collection agency for violating your rights under the FDCPA. This should be treated as a last resort because the consequences can be dire. If you lose your case, you can be ordered to pay the debt collector’s court costs and attorney’s fees. Make sure to consult with an attorney before taking legal action to ensure that your case is strong.

Remember that in most cases, you won’t be able to hold off the debt collectors forever. It’s best to deal with them as they come because the longer you wait, the worse the situation can become.

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