Can a collection agency harass me?

Can a collection agency harass me?

No, legally they cannot. The Fair Debt Collection Practices Act contains information as to what a collection agency can and cannot do, what times they can call you, etc. Most people do not know their credit rights (Fair Credit Reporting Act, Fair Debt Collections Practices Act and the Fair Credit Billing Act).

Here are your rights under the Fair Debt Collection Practices Act:
  • Debt collectors may contact you only 1 time per day

  • Debt collectors may contact you only between 8 am and 9 pm (your time)

  • Debt collectors may not threaten, harass, oppress, or abuse you

  • Debt collectors may not tell you that they can take your house, or vehicle

  • Debt collectors may not contact you at work if they know your employer disapproves

  • Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime

  • Debt collectors must identify themselves to you on the phone

  • Debt collectors must stop contacting you if you ask them to in writing

By Federal Law, you have the right to stop the Collection Agencies from contacting you by mail or by phone. You can exercise this right by sending them one of our specific documents such as the “Do Not Call Letter”. There is also another letter that takes a stronger stance called a “Cease and Desist” letter. This letter quotes in legal terms that you are notifying the collection agency under provisions of Public Law 95-109, Section 805-C, of the Federal Fair Debt Collection Practices Act that they will CEASE AND DESIST in their efforts to collect on an existing account.


Super note: 
Sending a full cease and desist letter may bring a lawsuit, considering that the collection agency now cannot contact you to attempt to collect the debt. it is advised to only send a cease and desist calls letter. 

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