How To Stop Harassing Phone CallsWritten by Jill Morrison
Debt settlement services offer valuable guidance on how to stop harassing phone calls. One of the main reasons why unnecessary bankruptcies have increased is because of creditor harassment. The Fair Debt Collection Protection Act is designed to shield consumers from harassment. It also gives consumers the right to sue any creditor who practices extended harassment. Consumers are allowed one year to file a lawsuit. They must document evidence carefully and completely.
Stop the Constant Calls through Debt Settlement
Using a debt settlement service relieves consumers of the stress of debt collection harassment. Upon enrolling in a settlement program, debtors receive immediate protection from skilled debt professionals. Creditors are informed to send all correspondence through the settlement service. Consumers are asked to keep a log of creditor calls with details of harassment. Usually, harassment ceases in a very short period of time.
Collectors are required to stop correspondence if a consumer notifies them within 30 days that the money is not owed. They must identify themselves as bill collectors and give correct names. They also must tell the debtor how much is owed and the name of the original creditor. If a consumer retains an attorney, collectors must make contact through the attorney.
Collectors may not make false statements about money owed. They may not use threats or obscene language. They are usually required to call between the hours of 8:00 a.m. and 9:00 p.m. and may not call repeatedly to the point of annoyance. They may not tell anyone else about a consumer's debt except the consumer's lawyer. They may not threaten legal action or misrepresent the legal status of a debt. Debt settlement services will provide complete details about collection rules and regulations.