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Being contacted by a debt collector can be stressful. But when those contacts turn into harassment, it crosses the line and becomes illegal. If you’re dealing with threatening calls, constant messages, or other aggressive behavior, it’s important to know that you have rights and you can take action.
At American Legal Shield, we help consumers understand how to identify illegal debt collection practices and guide them through the steps of filing harassment complaints. This article explains how to handle those complaints effectively so you can protect your peace of mind and financial future.
What Is Considered Debt Collection Harassment?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices. Harassment can include:
- Calling you repeatedly throughout the day
- Using threatening or obscene language
- Contacting you at work after you’ve asked them not to
- Calling before 8 a.m. or after 9 p.m.
- Telling others about your debt without your permission
- Threatening legal action they cannot take
- Ignoring written requests to stop communication
If any of these situations sound familiar, it’s time to consider filing a formal complaint.
Step 1: Keep Records of Every Interaction
Start by documenting everything. The more evidence you have, the stronger your complaint will be. Make sure to:
- Keep a written log of every call, text, voicemail, or letter
- Record dates, times, and names of representatives
- Save copies of all communication, including emails or mail
- Note the tone and content of calls or messages
If you feel threatened, this documentation can be critical when submitting a complaint or pursuing legal action.
Step 2: Know Your Rights Under the FDCPA
The FDCPA protects you from harassment by:
- Allowing you to request verification of the debt
- Giving you the right to limit or stop communication
- Protecting you from false threats or misrepresentation
- Allowing you to take legal action if your rights are violated
Understanding these rights empowers you to stand your ground and act with confidence.
Step 3: Tell the Collector to Stop Contacting You
You can legally request that a debt collector stop contacting you altogether. This is done by sending a written cease and desist letter. Once received, the collector can only contact you to confirm they will stop or to notify you of legal action.
Make sure to:
- Send the letter via certified mail with return receipt
- Keep a copy of the letter for your records
If the collector contacts you again after receiving this letter, it is a clear violation of the FDCPA.
Step 4: File a Complaint with a Government Agency
If the harassment continues, file an official complaint. You can submit complaints to:
1. Consumer Financial Protection Bureau (CFPB)
Website: www.consumerfinance.gov
They investigate debt collection abuse and can take action against companies that break the law.
2. Federal Trade Commission (FTC)
Website: www.ftc.gov
The FTC monitors and enforces laws against deceptive or unfair business practices.
3. Your State Attorney General’s Office
Every state has its own consumer protection laws. Contact your local AG’s office to report harassment and seek additional remedies.
Step 5: Consider Legal Action
If the harassment is severe or ongoing, you may be able to sue the debt collector. If successful, you could recover:
- Statutory damages up to $1,000
- Compensation for emotional distress or lost wages
- Attorney’s fees and legal costs
Consult with a legal professional to understand your options and build a strong case.
How American Legal Shield Can Help
If you’re tired of being harassed by debt collectors, you don’t have to face it alone. American Legal Shield can:
- Review your case to determine if your rights were violated
- Help you file formal complaints with the appropriate agencies
- Draft and send cease and desist letters on your behalf
- Refer you to legal experts for further action
- Support you in protecting your rights under the FDCPA
Contact Us Today
Phone: (888) 508-6205
Email: [email protected]
Final Thoughts
Dealing with debt is hard enough without the added stress of harassment. Fortunately, the law is on your side. By documenting violations, understanding your rights, and taking swift action, you can stop abusive behavior and regain control over your situation.
At American Legal Shield, we’re here to stand up for you and make sure debt collectors play by the rules.
