Stop Harassing Phone Calls
If you are receiving harassing phone calls from a creditor, there are some things that you can do to get the situation under control. Receiving calls to your residential and work phone numbers can leave you with anxiety, especially when you have to wonder who is calling or you not recognize a phone number
First, you should determine if the caller has a legitimate reason for contacting you. You will need to communicate with the caller to gather information about the debt they are calling you about. If you are in doubt, request a written report on the debt including to whom it is owed to, when it allegedly was incurred and what the terms of the payment are.
If you do not believe this debt is legitimate, then contact your local phone company and report the scam. You should request a trace to get the phone number of the perpetrator and report the number to the authorities.
If the debt is legitimate, you can then write a “Do Not Call” letter and send it to the creditor and their harassing collection agent. Be sure to include all the necessary information within this letter, including the account information, your name, phone numbers and instructions on when, where and how they may contact you. Send this letter certified mail so that you have proof the letter was received. You should also take time now to sign up for the National Do Not Call Registry.
Make sure you keep a phone log of each time you receive a harassing call. Include the date and time of each call, the name of the collection agent and who they represent. This log can be used as evidence of the harassment. Debt collectors can only legally contact you between reasonable hours. These hours are usually between 8am to 9pm. If the collection agency is calling you at your work, you can instruct them not to call you at your place of employment. They will be in violation of sate and/or Federal law if they don't abide by your request.
You can even take it a step further by recording the harassing phone calls. However, since each state has different laws regarding what is and isn't admissible as evidence, be sure to consult with an attorney regarding recording incoming phone calls.
Remember, by law collection companies are required to respect your privacy and will have to cease all phone calls to your home, relatives, neighbors, and work.
For more information, review the Fair Debt Collection Practices Act at http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm