Everyone should know their rights when it comes to debt collectors harassment. There are several steps you can take to stop a harassing creditor. Creditors must abide by several federal laws in the attempt to collect debts. Sometimes these collectors will cross the line in their attempts to contact you. They are not allowed to contact you before 8 A.M. of after 9 P.M. Collectors may not contact you at work if you have stated that it will cause a problem with your employer. Contact with anyone that you listed as a reference is permitted as long as they abide by the correct times of day rule. Debt collectors cannot make false statements or threaten you any way. Sometimes a debt collector may ask for a post dated check to make arrangements for payments. It is against the law for them to deposit this check before the date posted on the check. Any attempt to seize property must be done thru legal means and possibly ruled on by a judge. Not many people realize that debt collectors cannot contact you by post card. You also need to know that debt collectors cannot use a false name or company name when attempting to contact you. |
