How to Protect Myself From Collection Agencies

While debt collectors have the right to seek payment of a legitimate debt, they do not have the right to harass you. The Fair Debt Collection Practices Act prohibits collectors from using intimidation and threats and from trying to collect on a debt that has expired or never existed. You can protect yourself against debt collectors who cross the line.

Instructions

Steps to Protect Yourself Against Ruthless Debt Collectors

1

Inform the debt collector that you want proof of the debt. They should be able to obtain evidence of the debt from the creditor they represent and send it to you.

2

Determine how old the debt is. Depending on where you live, the legal limit to how long a debt is valid can range from three to 15 years.

3

Obtain in writing the terms of any repayment plan you set up with a collection agency. Keep track of any written correspondence you receive from the collector.

4

Write down the name, phone number and name of the agencies that contact you, and make note of when and how they do it. If you find they've violated the Fair Debt Collection Practices Act, it will important to have this information available.

5

Send letters to any collection agencies that call you. By law, they are not permitted to contact you after you inform them in writing that you want them to stop.

6

If you feel you are being unduly harassed, file a complaint with the Federal Trade Commission and the attorney general's office in your state. You may also wish to contact an attorney.