Debt Collector Harassment

Today due to the many job losses and the state of the economy, many consumers have become the victim of debt collector harassment. What is debt collector harassment, you may wonder? This is a dirty trick when debt collectors call consumers and start threatening to take legal actions such as taking them to court seizing their assets or putting them in jail. Even though this type of harassment is against the FDCPA law, or the Fair Debt Collection Practices act, bill collectors will continue to break the law. The reason the debt collector will continue to do so, is because all the debt collector cares about is collecting money even if they break the law. Here are some powerful strategies that will stop the debt collectors from continuing to harass and trying to intimidate you. Send the collection agency a cease and desist letter through certified mail. A cease and desist letter is a letter that tells the collectors you no longer wish to receive any type of communication from them verbal or written If they refuse to comply with your wishes this is another fdcpa law that they are violating and can give you even more reason to sue them for more violations. Another method is to contact the FTC federal trade commission and your State attorney general’s office as both agencies frown upon debt collector harassment. When the collection agency is reported to the FTC and your State attorney general’s office, an investigation will begin regarding the debt collector harassment. In most cases the FTC and attorney general’s office will contact the collection agency letting them know that they are being investigated regarding a complaint from the consumer alleging abusive collection practices. Even though the bill collectors will usually comply some will be stupid and continue to harass and try to intimidate the consumer. When the bill collector continues to harass and threaten the consumer, the next step is to sue the bill collectors in court. Contact an attorney experienced in filing lawsuits against collection agencies for FDCPA violations and have him file a lawsuit against the collection agency for FDCPA violations. Any time a bill collector violates FDCPA law, they as well as the agency are liable for 1000.00 per violation. This type of harassment is an FDCPA violation so you can see how it can be very lucrative for you when you collect damages in court. I hope this article has shown you how to stop debt collector harassment. Congratulations! Now you have the power to become the victor and not the victim and put a stop to harassing phone calls. So always remember to fight back when the collectors start harassing you. When they call, call their bluff and watch them run like scalded dogs. To learn even more powerful strategies to stop debt collector’s cold, check out my new exciting book “Confessions Of An Ex- Bill Collector” available at http://www.amazon.com/Confessions-Of-Bill-Collector-Collectors/dp/1466371315/ref=sr_1_1?ie=UTF8&qid=1339726495&sr=8-1&keywords=confessions+of+an+ex+bill+collector Now you have the powerr to beat them at their own game.