ArticlesReader.com Menu
Newest Articles
Most Viewed Articles
ArticlesReader.com RSS
Submit Article
Login
Signup
Search the articles

Articles Main Categories
Advice
Animals
Automobiles
Business
Career
Communications
Computer Programming
Computers
Entertainment
Environment
Family
Fashion
Finance
Food
Health & Medical
Home & Garden
Humor
Internet Business
Internet Marketing
Legal
Leisure & Recreation
Marketing
Other
Politics
Reference & Education
Religion
Self Improvement
Sports
Technology & Science
Travel
Writing
Subscribe
Receive alert message from us when new articles submitted to our site for free.

Enter your name

Enter your email

Syndicate

















Related Products
Home::Advice

How to STOP Debt Collectors From Harassing YOU.

Author : ElmerFizz

How to Get Debt Collectors to STOP Harassing You. Give Them the
NO Contact Order!!

By ElmerFizz.com

http://www.elmerfizz.com

If you've been a victim of job loss, medical emergency or other
cause of income loss, you may be one of the millions of
individuals facing a pile of debts that you cannot cover. Miss
one or two payments and you can expect to get a call from a debt
collector.

Calls from debt collectors trying to find you at your place of
employment can be humiliating. You may already be screening your
calls, your chest tightening as you realize it's them - again.

While not every debt collector is unsympathetic and berating
they likely do have to steel themselves for many of the sad
stories given to them as explanations for past due debts. They
are also frequently rewarded for their efforts in collecting the
debt with a commission based on the amount obtained. It is easy
to see why it is not uncommon for individuals who are already in
a desperate state to fear encounters with the more aggressive
collectors who are determined to get their fees.

"What Are They Allowed to Do?"

Debt collectors are allowed to contact you by in person, by
mail, by telegram, by fax and by phone; at home or at work -
unless they know your employer would disapprove. They may also
not contact you before 8 a.m. or after 9 p.m. unless you have
agreed to the contact at that time.

They must contact your attorney unless you don't have one. They
may then contact other people to find out your telephone number,
work place or address, but in most cases they are not allowed to
inform them that you owe money or contact them more than once.

"What If I Don't Want to be Contacted?"

Whether or not you actually owe a debt you can write a letter to
the collector telling them to stop contact. They may then
contact you only once to inform you that they will make no
further contact or to tell you what action may be taken against
you.

Stopping contact will not clear the debt. If you do not believe
you owe the debt make that clear in your letter.

"What Can I Do If I Am Harassed?"

The FTC (Federal Trade Commission) has a Fair Debt Collection
policy to protect consumers. Knowing your rights will put off
even the most determined collector since they already know the
law and are pressing you on the assumption that you don't.

Debt collectors are NOT allowed to harass, abuse or oppress you
or other individuals on your behalf - that includes obscene
language, threats of violence or repeated calling in an effort
to annoy.

They are not allowed to misrepresent themselves as government
agents, attorneys or representing a credit bureau if they are
not. They cannot imply they are sending legal documents if they
aren't or that you've committed a crime, if you haven't.

They cannot imply legal action, including seizing property or
garnishing wages unless they are legally allowed and intend to
do so.

You can find out more about your rights from the FTC. If you
want to report an agent you can do so by contacting the FTC or
your Attorney General. If they are breaking the law you have the
right to sue.



-----------------------------------------------------------------
---------------

This article may be reprinted for personal use or on your
website if the content is left unchanged including this
resoource box. http://www.elmerfizz.com
http://www.crazyhealthnut.com For More reprint articles see
http://www.elmerfizz.com



-----------------------------------------------------------------
---------------

Spam emails More free articles

Related articles


  1. They Called Me an Idiot! A Review of Web Etiquette
  2. PUT ON A HAPPY FACE: Confidence is the Key!
  3. Establish Your Credibility For Better Public Relations
  4. Using Public Speaking to Increase your PR Network
  5. Ten Useful Delaying Tactics
  6. Traffic... Sales... and Headachy Emails
  7. From Angry To Loyal, All In One Understanding Minute
  8. I Had a Dream
  9. Take Control of Your Time and Take Control of Your Life
  10. Power of 90 Seconds
  11. "How Internet Marketing Made Me 'Drop-Dead' Gorgeous!"
  12. 7 Important Tips on Investigating a Business Opportunity
  13. 9 Tips on Creating a Professional Emailed Job Application
  14. How to Focus on Your Internet Business
  15. Customer Disservice
  16. THE SEVEN STEPS TO ABUNDANCE
  17. SETTING GOALS - Part 1
  18. HOW TO SET GOALS - Part 2
  19. THE FUNDAMENTAL PARTNERSHIPS OF SUCCESS
  20. The Seven Sisters of Success
  21. The 4 Steps to Successful Goal-Setting
  22. Everyday Tools for Extraordinary Success
  23. Three Steps for Positive Goal Setting
  24. SOME TIME SAVERS
  25. SOME TIME SAVERS #2
More related feeds
Learn How To Stop Collection Agencies From Harassing You
If any debt collection firms are harassing you, you can make them stop immediately. Simply write a two-sentence letter advising them to cease all contact with you. The first sentence should say: “I am unable to pay this bill because… ...

Stop Debt Collectors
However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount owed. What types of debt collection practices are prohibited? Harassment. Debt collectors may not harass, ...

Your Debt Collection Questions Answered
Our new book Stop Debt Collectors: How To Protect Your Rights and Resolve Your Debts has just officially been released, and already we've been deluged with questions from readers! We recommend you get the book, as it will explain the ...

Find the Best Method to Stop Collection Calls - Credit Card Debt ...
When you owe a creditor money they can be relentless when trying to collect the debt. You may experience many harassing phone calls at all hours of the night and they will threaten you when they call. A Debt collector will call you at ...

Psycho Debt Collectors Will Not Stop Calling Me About Someone ...
Inform the debt collectors that they are breaking the law by continuing to harass you over someone elses' debt, and that you intend to file a lawsuit. In addition to the harassment, the Fair Debt Collection Practices Act also forbids ...

How To Get Debt Collectors Off Your Back Permanently
Just look up Asset Acceptance on the internet - they are one of the biggest abusers of this federal law with thousands of outstanding lawsuits for harassing debt collection practices. So, now you know how to stop debt collection ...

How do you stop a debt collector from harassing you? If you have ...
How do you stop a debt collector from harassing you? If you have fallen behind on your payments due to an illness or a job layoff, debt collectors will be calling you. They have the right to collect on the money you owe, but some debt ...

What You Need To Know When a Debt Collector Comes Calling Posted ...
Okay, I get it, my creditor wants their money back. How can I stop a debt collector from repeatedly contacting me, to the point of exasperation? A debt collector is NOT permitted to harass you. Only the creditors can do those things, ...

Collection Agency Harassment - Not my debt
The biggest problem is the collection agency is harassing me. They come to my house with tow trucks, argue with me when I tell them he isn't here and I don't know where his vehicle is (and I don't know and I don't want to know). ...

Stop Debt Collectors
You can stop debt collectors under the law provided by the Fair Debt Collection Practices Act. If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying ...

 


 

© 2007 articlesreader.com - All Rights Reserved