collector's harassing, rude, nasty calls

Contacting my house and harassing me for someone that does not live with me.

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Aug 24, 2012
collector's harassing, rude, nasty calls

The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from calling you repeatedly within a short period of time about a debt, using obscene, profane or abusive language, threatening you when the collectors cannot do what they are threatening or have no intention of following through on the threat. So, if the collectors who are contacting you are doing any of these things, they are breaking the law.

The first thing I would do is send the collectors a letter stating that the person they want to contact does not live with you and that you do not want them to contact you again. The FDCPA says that if you make this request, the collectors cannot continue contacting you. If they do, they are violating the law. Make a copy of your letters for your files and send the letters certified mail return receipt requested.

If the collectors continue contacting you after they've received your letters, schedule a FREE consultation with a consumer law attorney. You may have grounds for a lawsuit.

You should also use our Free Debt Collection Worksheet to record the details of any calls you may have received from the collectors who have been harassing you and any calls you may receive after you send them your Cease Contact letters. The information on the worksheet could be very helpful to your attorney if you end up having to use one. If you cannot remember all of the details of the calls you have received in the past, write down as much as you can recall, especially specific words the collectors may have used that were offensive to you, the frequency of their calls, etc.

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