How to Stop Bothersome Bill Collectors.

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Introduction

The Federal Fair Debt Collection Practices Act protects consumers against the bullying tactics that were once stock-in-trade practices of collection agencies. If you feel you are being unduly pressured. Or are you actually being harassed by a bill collector, the FDCPA offers a simple way to put a stop to it. All you have to do is send the bill collection agency a letter saying that that you will not or cannot pay the debt and you want the agency to leave you alone. Send the letter by certified mail, return receipt requested, so you can be sure the agency receives it. Once you have done this, by law the collection agency may not contact you again, except to say that collection efforts have ended or that some legal action is being taken against you. If a collection agency continues to badger you after you have sent the letter, be sure to keep notes about the offending contacts. Then you should notify your state attorney general’s office you may have a legal case against the collection agency.

By: Willi493

Length: 0:00

Comments: 3

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Instructions

Text Size: +
Difficulty: Moderately Challenging

Tips & Warnings:

  • REMEMBER IT IS STILL YOUR RESPONSIBILITY TO PAY THE DEBT
  • BEGIN SEEKING INFORMATION ABOUT WAYS TO REPAY THE DEBT
  • REFER TO YOUR PERSONAL SPENDING PLAN (PSP REFER TO ARTICLE "HOW TO COMMIT TO YOUR PERSONAL SPENDING PLAN")
Step1
Step one, if you are experiencing harassment and stress from collection agencies by telephone, inform the collection agency. Explain how your dissatisfaction with their communication tactics and now you are taking action.
Step2
Request the collection agency address, then send a certified letter demanding the decease of harassing calls and constant pressure.
Step3
Step Three, if collection agencies continue phone contact, seek legal counsel. A law suit may be possible. As a citizen your consumer’s rights are being violated.

Comments

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CBPope

CBPope said

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on 11/16/2008 Great tips Chauncy. Is it true that you should never pay a collection agency? I heard that because you don't owe them. You owe the original creditor so you should only deal with them.

amylaine

amylaine said

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on 5/25/2008 Great tips.

WriterGig

WriterGig said

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on 2/24/2008 The video doesn't load or play.

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eHow Article: How to Stop Bothersome Bill Collectors.

Article By: Willi493

Willi493

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Category: Personal Finance

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