How to Stop Debt Collection Harrassing Phone Calls
- 1). Study debt collection phone call trends in order to establish a pattern of harassment. Learn all about debt collection harassment laws by checking out the Federal Trade Commission website.
- 2). Compose a list of questions to ask the debt collector. Dealing with debt collection harassment requires a lot of legal research.
- 3). Verify that the delinquent accounts actually belong to you before having a conversation with a debt collection agency. The Fair Debt Collection Practices Act will give you insights into what can and can't be asked.
- 4). Expand your knowledge of debt collection harassment and abuse by reading, studying and asking questions. A good place to start is an attorney.
- 5). Inquire about your rights as a consumer when you are receiving harassing phone calls at work. Avoid having to explain to your supervisor why you are not working, but rather talking on the phone.
- 6). Produce a file with all delinquent credit card accounts. Check the information regularly to make sure you have current information about the debts.
- 7). Become involved the debt collection process. Instead of waiting to receive phone calls, be proactive and try to negotiate with the debt collection agencies.
- 8). Enroll in a course about handling your money issues. The more you learn about how money, debt and financial issues work the better off you will be.
- 9). Outline the steps you will take for the next 12 months to deal with debt collection harassment. Establish some specific goals.
- 10
Double check all information about debts online. Make sure that no one has access to your bank accounts.
