Tips To Stop Debt Harassment

Despite the presence of state and federal legislation against abusive debt collection practices, unethical debt collectors continue to try to skirt the law. The Fair Debt Collection Practices Act (FDCPA) lays out what debt collectors can and cannot do; and the burden is on the person being harassed to show what the debt collector has done (and to stand up for their rights when dealing with the debt collector).Usually, a debt collector tries to call first, often early in the morning at first; if these calls are missed or ignored, they'll call instead in the afternoons, evenings, and weekends.Within five days of their first communication regarding the debt, the debt collection has to provide, in writing, several pieces of information: the amount of the debt; the name of the creditor to whom the debt is owed; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, the debt will be assumed to be valid; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt is disputed, the debt collector will obtain verification of the debt and a copy of such verification will be mailed to the consumer by the debt collector; and a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.Debt collectors usually aren't forthcoming; you may well have to request that they send you all that information. And, if you request information regarding the original creditor or make a statement that you are disputing the debt, the debt collector must stop attempting to collect on the debt until the information is provided. If you get a call from a debt collector regarding a debt you may (or may not) owe, make sure you document what's said—write down or record all their information and everything they say.If they don't (or can't) provide the afore-mentioned requirements, ask them for it, then wait five days for a written document covering these items. If the collection agency fails to provide this information, you've got the beginnings of a FDCPA case against them. The FDCPA also outlines how debt collectors must conduct themselves; when they can call, what language and comportment is required, and who they can and cannot contact regarding an individual's debt. If a collection agency has harassed you, you may be entitled to money damages up to $1,000.00, based on the FDCPA, which has been around for almost 35 years.The FDCPA is a federal law that applies to every state. In other words, everyone is protected by the FDCPA. The FDCPA is essentially a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. Plus, the FDCPA has a fee-shift provision. This means, the collection agency pays your attorney’s fees and costs. Founding attorney, Michael Agruss, has settled over 1,500 debt collection harassment cases. We want to help you, too.

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Submitted Comments

Estate Information Services LLC sent a letter to "the estate of' a deceased family member. They do not give ANY information in the letter as to who the debt was with. There was / is no estate. The family member died pretty much without anything except her clothing. No property, no vehicle. Just enough funds to cover cremation. Do I need to contact them and tell them there is no estate? Since there is no estate, can family members be sued? Aren't they supposed to provide info of who debt was with?

Lighthouse recovery services is threatening to come to our house today. We filed bankruptcy and my husband is terminally ill and on disability. They have his name and not mine. In fact our bankruptcy court is today. I think it was a payday loan or a car loan. They won't say. Husband has dementia so I am not sure. The number is 1-844-350-1540. I tried to look up the number for investigating them but I get zero results for this number. That would be great in two hours. We are just leaving for our meeting with debtors at ramsey county MN!

I received a call today from Dynamic Recovery. i have also received many calls from other "collectors" claiming on debts that are past the statue of limitations. they called left a message that I need to call them today to stop from being arrested. i will collect my data. I have also reported many of these to the FTC. I recently lost my mother and it seems that these companies are coming out of the wood work to try to collect on old debts. BUT .. I did have a case of identity theft in 2006 and it could be someone did things using my information. none of the collectors will provide me with proof in writing!

I stumbled across your website when Googling the phone number of a debt collector that is calling me with robocalled voicemail messages. The debt is for somebody else, but when I call back at the number the robocalled left, no answer. Am I just supposed to accept the constant calling? Global Credit & Collection Corp. Basically, I received an automated voicemail message from "Alan Bell" from Global Credit & Collection Corp. The message is for Marvin Pressman. The caller ID shows 1-786-233-6809. The voicemail message asks to call 1-866-277-1877. Global Credit & Collection Corp. I want to stop harassing calls to my phone, but I feel if they do not answer the phone, I have no way to stop the harassment!

I recently downloaded Credit Karma and subscribed to their service where I noticed that I am in a collection with ad astra services, which I tried to dispute since I don't know who they are then a week or so later i got a letter from them trying to settle a $300 debt which is not mine...what should i do?

I set up an agreement with Delta Management Company about 4 months ago for my student debt. I am on a program where they take $5 out of my account each month. The problem is that they are still calling me and harassing me to pay. They have called as late as 9 at night. They have called my references, most recently my mom and told her that they are trying to collect a debt from me. When I talk to them I tell them that I am on this program and yet they still continue to call me daily. How do I get them to stop? When they call and leave a VM they never say their name and just leave a call back number and say that they are trying to collect a debt and that I have to call them back today. I mistakenly left my phone number on the last comment, can you please delete that?

I set up an agreement with Delta Management Company about 4 months ago for my student debt. I am on a program where they take $5 out of my account each month. The problem is that they are still calling me and harassing me to pay. They have called as late as 9 at night. They have called my references, most recently my mom and told her that they are trying to collect a debt from me. When I talk to them I tell them that I am on this program and yet they still continue to call me daily. How do I get them to stop? When they call and leave a VM they never say their name and just leave a call back number and say that they are trying to collect a dabt and that I have to call them back today.

Hi Peggy, I'm familiar with Frederick J. Hanna & Associates, P.C., and I'd like to help you. Have you received anything in writing from Bank of America or Frederick J. Hanna & Associates, P.C.? If so, please e-mail it to me so we can discuss it on the phone. If Frederick J. Hanna & Associates, P.C., levied or garnished your bank account, they likely received a judgment first. If Frederick J. Hanna & Associates, P.C., received a judgment first, they must have sued you in court. Let's discuss this further on the phone so we can locate the court docket. Thanks, Mike

Several months ago I had got a notice from Bank of America saying J Hannah had subpoenaed my bank account, I could not get them to give me a copy nor J Hannah office. The bank said they had to turn over records of my account and the account of my 10 year old grandsons that his mothers social security went into that I was only the over seer. I contacted the courts in my county and not one of them could find such a subpoena, I do think they had to be fake. Can I do anything? The debt was past 10 years old...