Debt collectors have a negative reputation because they tend to call regularly and almost invade a person’s life. Although there are requirements that they must meet, some agencies don’t listen and will call beyond the hours when it’s legally allowed to do so.
As a consumer facing issues with debt, you don’t have to put up with unfair treatment from collections agents. You can stop calls from debt collectors, so that you can get better rest and have peace of mind while you work through your debt-related issues.
What are the rules for creditors?
To start with, debt collectors are not legally able to reach out before 8 a.m. or after 9 p.m. They are not allowed to call you at work if the collector knows that your employer doesn’t want collections calls there. They also may not call there if you specifically ask them not to call.
Creditors also have to be honest when they’re trying to collect a debt. They may not lie and say that you’re going to be arrested or claim that your debt has suspended your license, for example, because the collections agent has no right to do those things.
How can you stop creditors from calling you?
If creditors are bothering you and you want them to stop, first remember that stopping the calls won’t eliminate the debt. It still exists and will impact your credit score as long as you don’t pay. You could be taken to court in some cases, too.
Still, if you would like to end credit collector harassment, all you need to do is to write to them and ask that they stop calling. If this is the first time they’ve called, then ask them to send a letter regarding the debt. If they say they can’t do it, then they are not telling you the truth.
In fact, a validation notice is required to be sent to you within five days after the first contact with you. This notice needs to inform you about who the creditor is for the account, so that you can pay it or work out another option for eliminating your debt, like bankruptcy. Bankruptcy can totally eliminate the debt and creditors must immediately stop contacting you the day you file. Talk to an attorney to learn your rights.