Dealing with debts can be stressful enough without having to be subject to creditor harassment. This is why there are many regulations in place to control the way that creditors can communicate with debtors. If you are feeling overwhelmed by the actions of your creditors, you should make sure that you assert your rights and put a stop to this behavior.
When considering whether you are a victim of collection agency harassment, you should think about the frequency of communication and the form of communication. If for example you are being called constantly, or if debt collectors are frequently knocking at your door, this may be considered to be invasive and inappropriate. The following are things you can do to put a stop to this.
Don't add fuel to the fire
When a person acts in a hostile way toward you, it's easy to react with anger or more hostility. However, this can add fuel to the fire, and the situation may escalate quickly. You should try to keep calm while being assertive concerning your rights.
Keep records of activity
It's helpful to make a record of all communication you have had with your creditors. This will increase your chances of being successful if you decide to make a claim against them.
Ask for verification
You have the right to gain certain information about a debt. If you are unsure of a debt collector's validity, you can ask questions about the debt. If you want to dispute it, you must do so within 30 days.
If you want to put a stop to collection agency harassment, you must act quickly to take affirmative action.