Creditor Harassment

Debt Collection Harassment

Under the Fair Debt Collection Practices Act, debt collection harassment is when a professional debt collector acts in a manner that is harassing, oppressive or abusive in connection with the collection of a debt. Here are some examples of debt collection harassment:

• Debt collector threatens to hurt you if you don't pay your bills.
• Debt collector comes to your house and damages your personal property.
• Debt collector starts swearing/using obscene language over the phone.
• Debt collector threatens to send you to jail if you don't pay your bills.
• Debt collector keeps calling you on the phone, harassing you to pay the bill.
  Note: if the debt collector calls and doesn't get you and calls back in an attempt to reach you, this scenario does not constitute debt collection harassment.

If a debt collector violates your consumer rights in the above manner, you have the right to make a complaint to the Federal Trade Commission (FTC) and they will investigate the collection company and their debt collection practices.

Creditor Harassment

If a creditor violates your consumer rights, you have the right to make a complaint to the Federal Trade Commission (FTC) and they will investigate the incident and refer it to the appropriate regulatory agency.

Get Help With Collection Calls

Debt collection and creditor harassment is only a symptom of a larger problem stopping it helps, but does not get to the root of the problem. You should get help for your debt problems. Creditors will stop collection calls if you pay your bills on time. You don't have to deal with your creditors alone. National Debt Crisis Center is able to suggest a variety of credit solutions for people with bad credit problems.