Are you upset about all the collection calls you’ve been getting? Is it a constant embarrassment for you? If so, then you should do something about it. Here are some points that any consumer should keep in mind.

  1. A client has certain rights that they should be aware of. First of all, the customer does not have to promise to pay the collector. And it is always discouraged to provide the collector with any bank account related details. A debt collector is also not allowed to divulge information to a third party or threaten the customer. There are certain rules regarding call times. Any calls before 8:00 am or after 9:00 pm are not allowed. You can also report any type of physical or verbal abuse.
  2. A client should take full details from anyone who calls and claims to be from a debt collection agency. You should list the name, the company they represent, and the company’s mailing address and phone number. The debtor must keep a note of each call. In case they refuse to give him this information, he should not receive your calls. Once you have this information, you can write a cease and desist letter to the company via certified mail and request a return receipt. Once the company receives a cease and desist letter from you, they are required by law not to make any further collection calls over the phone under the Fair Debt and Collection Practices Act.
  3. Once the company has received the letter, they may convert your account back to a normal account and thus open a path for negotiations or, if the amount is high, they may file a lawsuit.