The following steps can be taken to be free of debt collector harassment:
Get familiar with the FDCPA or the Fair Debt Collection Practices Act (FDCPA). This is very important because the FDCPA clearly describes what is permissible and what is not. It will tell how the debt collector should contact you. There are many intimidation tactics that the debt collectors adopt that are actually not legal and the law offers you protection against such practices. However, many people are not aware about these rights and hence they are not able to defend themselves.
Other rights that you should know about – when you owe a debt you definitely have the moral and legal obligation to honor it. However, if you are taking steps to clear the debt and need the collectors to stop contacting you – you can write to them asking them to stop and they would have to follow your request. In case they contact anyone searching for you or your contact address, they should not tell anybody you owe money against a debt.
The debtors are prohibited by the law regarding the following matters as well:
They cannot use any type of violence and direct or indirect threats. They cannot use abusive language or behavior towards you. They cannot spread false and damaging rumors about you and they cannot contact you under false pretexts such as they were attorneys, government’s representatives, etc.
You can find redressal when you believe you have been wronged by the debt collector. A word of caution here – you have to file within an year from the alleged harassment. Your attorney would be able to inform you about the law pertaining to the state you live in and your rights.
So, if you find yourself being hounded to the brink of insanity by debt collectors, do not despair. You do have rights even when you are unable to pay a debt and the sooner you learn about these rights the better you would be empowered to fight against any illegal intimidation tactics that may be used.
Keep in mind though that the best way to win an argument is to be on the right. Hence, you would need to do your best to get out of the debt the fastest way possible. This would be the best way to get rid of the debt collectors.