No one likes dealing with persistent calls debt collectors, particularly when you and your creditor cannot reach a settlement. However, if you are being harassed by creditors and are hounded with threatening phone calls, a line has been crossed and you need to take action. Debt collectors are known for applying dirty tricks to get what they want. Some are actually trained to go after friends, neighbors, relatives, and families of delinquent borrowers just to embarrass the borrower into paying up.

If you know that the collectors are in violation of the Federal Debt Collection Practices Act (FDCPA), you need to take action. Something as simple as asking for an extensive validation of the debt could make them go away temporarily. Essentially, you need to know your rights and you need to act decisively.

In most cases, debt collectors will not threaten you with a lawsuit and often, they will settle out of court rather than follow through with the lawsuit. However, don’t be surprised if you receive a summons but don’t panic either.

Record Everything!

It’s important to keep a record of every conversation, phone call or document exchanged between you and your debt collector. Make sure your debt collectors that you are recording everything, this will discourage him or her to making threats.

Know Your Rights

You have the right to demand full validation of the debt history. Also, knowledge is your best defense against debt collectors. Familiarize yourself with your own state laws regarding debt claims. Assert clearly that you know your rights and you are not afraid to fight for what’s right. Create a response to a summons as soon as you received one. That should make even the most aggressive credit collector to back off.

Learn More about Federal Debt Collection Practices Act (FDCPA)

Think your debt collector crossed the line? Then it’s time to check practices under the FDCPA. File a complaint against your creditor if they continue to harass you, your neighbors, your friends or your family.

Cease and Desist Letter

You need to tell them in writing not to contact your again. If ever they do contact you again, it should only be to notify you of their follow up plan, no more, no less. They cannot contact your at work if you told them not to and any intimidation tactics are forbidden. You have the right to file a credit card lawsuit against your creditor or debt collectors for any violation of the FDCPA rules.