When finances become a problem, many are overwhelmed with threatening, harassing or inconvenient phone calls. Debts that you owe, including debts that you incurred on your personal credit card, doctor bills, mortgages, and car loans, are covered by the Fair Debt Collection Practices Act (FDCPA). The FDCPA provides debtors with certain rights with regard to the collection of these debts.
Debt collectors such as collection agencies, attorneys, and companies that purchase consumer debt must abide by the FDCPA. To stop a debt collector from contacting you, you must send the collector a letter by certified mail, return receipt requested. However, this does not eliminate the debt and you can still be sued if you owe the debt, but this letter should stop the contact from the collector. Specifically, collectors cannot contact you before 8 A.M. or after 9 P.M. without your permission, nor can they call you at work, once you tell them on the phone or in writing that you are not allowed to take personal calls. If a collector continues to contact you, you may have the right to sue the collector under certain circumstances.
When you face harassment, you need strong legal representation. For questions about finances or bankruptcy, contact David R. Black’s Bankruptcy Legal Group for effective solutions.