Stop harrassing phone calls

Scenario: You’re at home with your family, about to sit down to dinner. The phone rings, and you already know who it is on the other end. You don’t want to answer it, and the caller ID confirms your suspicions. It’s a 1-800 pay-me-now #, and you know it’s a collection agency again. How annoying.

It can be so embarrassing and nerve wracking to have creditors harassing you. They call you all the time, even at work. Don’t you’ve some rights? Isn’t there something, anything you can do?

In fact there are several ways to make creditors stop harassing you by phone. When you get a harassing phone call, you should sit down right away and write the company to whom you owe the debt in question what’s called a “Do Not Call” letter. This letter will instruct the creditor to stop harassing you with phone calls, and give them a superior way to contact you.

The ideal way to make creditors stop harassing you is to prevent the situation from coming to that in the first place. As soon as you know you will be unable to pay a bill on time, call the company to whom you owe the debt and try to work out a payment plan. This shows good faith on your part and makes it less likely that they will harass you.

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Keep a notebook next to your phone and log every time a creditor calls. Mark the date and time of the call, the debt in question, the callers name and the creditor they represent. If it is legal in your state, record your conversations with the creditor. If you don’t record the call, tell them you’re. This may “scare” them into changing their personality and might stop future calls.

Federal statutes are in place to protect people in your situation too. Creditors are not permitted to call you before 8 in the morning or after 9 in the evening, and might call you only one time after sending them as “Do Not Call” letter - and this is a call to tell you they will stop calling. Creditors may not under any circumstances call you at work, ever. If this ever happens, tell them so.They cannot threaten you with action they can’t carry out nor can they threaten your kids. They can’t use offensive language. Creditors can’t speak to an uninvolved celebration about your debt such as your neighbor, employer or relative. They can, however, talk to your spouse, attorney or a co-signer. Creditors cannot seize or garnish your wages without a court order. They cannot send you to jail nor threaten to do so.

What creditors CAN do are these three things: They can refuse your business in the future, they can sue you for what you owe (though this is unlikely as will almost certainly cost more than you owe to sue you) or they can report your non-payment to a credit reporting agency

Another thing they cannot do is bully and harass you. You are a citizen and you’ve legal rights and protections. If you’re being harassed by a creditor, you can stop them. You don’t have to be treated badly on account of debt which you fully intend to repay.
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