Debt Collector Harassment

If you owe money to some company, then debt collectors may start contacting you after a particular time. Sometimes, this may reach a level when the situation gets out of control due to abusive calls and threats from the debt collection agencies. In case you face debt collector harassment, you must seek help to stop debt collector agencies from contacting you.

In general, debt collectors usually start calling people who owe money when their account is 30 days delinquent. If you owe money to some company and have forgotten about it or are unable to pay due to some problem, it is better to contact the company first. Do not wait till you start getting calls from debt collectors. After the account is 90 days past due, the company usually sends the accounts to a third-party debt collection agency to recoup the outstanding dues.

If you have been getting harassing or threatening calls from debt collectors then you must first learn about the rights laid down under the Fair Debt Collection Practices Act (FDCPA). This Act helps you avoid any kind of debt collector problems. As per the law, the third party agencies are not allowed to threaten you or use any abusive language.

Many times people don’t realize that they can seek debt collector help, and third parties take advantage of their ignorance. If you are stressed out because of threat or abusive calls from collectors, then don’t get intimidated by them. Instead, contact the Federal Trade Commission (FTC) immediately and lodge a complaint against the debt collector harassment.