Debt collectors are often ruthless in their pursuit of payment, and their behavior and tactics sometimes cross the line into harassment. For a victim, this only compounds the stress of dealing with unmanageable debt. Fortunately, an attorney can help you put an end to predatory creditor action. Here are a few tips for handling this situation.

How to Stop Creditor Harassment

1. Understand Your Rights

First, know the protections you have under the law. A debt collector can only call you between 8:00 am and 9:00 pm local time. They can’t contact your spouse, family members, friends, or employer without your express permission. They can't use insulting language or derogatory words or employ deceptive tactics to trick you into payment.

A collector can’t threaten to repossess property if they haven't been authorized to do so. They also have no right to call if you've asked for them to communicate with you through your attorney. If a collector violates any of these rules, put a stop to their abuse by filing reports with your state attorney general's office, the Federal Trade Commission, and the Consumer Financial Protection Bureau.

2. Request Verification of the Debt

Ask the creditor to send you written verification of what you owe. As soon as you make this request, the creditor must stop contacting you until they’ve sent the proof. If the collection agency can’t confirm the debt, or if they continue to call before they send verification, you may have grounds to file a lawsuit and should consult an attorney.

3. Negotiate a Settlement

In situations where a debt is valid, you can stop creditor harassment by negotiating a repayment plan. The creditor may be willing to settle for a total lower than what’s owed. If they demand a large single payment, request smaller installments instead.

Never give your bank account information to a creditor, as this gives them direct access to your funds. Instead, find out where to send checks and submit payments on time.

If you’re the target of harassment by a collections agency, consult Gilbert P Kaback Attorney at Law in Colchester, CT. Serving the New London County, Attorney Kaback has been representing clients in bankruptcy claims, family law cases, and personal injuries for more than 20 years. Call (860) 537-0874 or visit his website to schedule a consultation.