How to Deal With Bill Collectors That Make Threats

Debt and bill collectors are not supposed to make threats when contacting you to pay a debt. However, some companies will employ abusive tactics in order to frighten you and get a payment. You can take action to stop harassment, inappropriate language and threats.

Instructions

1

Familiarize yourself with your rights. According to the Federal Trade Commission (FTC), bill and debt collectors are prohibited from using profane language, issuing threats and other unfair practices. If subject to abuse, remind the collector of unlawful practices and ask him to stop.

2

Stop phone calls to eliminate harassment. As a consumer you can tell a collector to stop calling you at home or work. Provide a verbal or written request, and keep a copy of the letter or record the time and date that you spoke with the collector.

3

Challenge the debt. Demand to see a copy of the statement or bill that you owe in order to verify the debt. Collectors must cease phone calls and letters if they cannot show proof.

4

Save voice messages and keep copies of letters. Bill collectors may speak abusively on your voice mail or leave a threatening message. Keep copies as proof of abuse.

5

Contact the FTC to file a complaint. Go to the FTC website or call 877-382-4357 to report abuse by a bill or debt collector.