Stop Debt Collection Harassment

By: Tim Grimsley
Submitted: 2007-01-17 16:15:21
Print this article | Tell a friend | For publisher | Social Bookmarking
Rating:
 

Everyone should know their rights when it comes to debt collectors harassment.

There are several steps you can take to stop a harassing creditor. Creditors must abide by several federal laws in the attempt to collect debts.

Sometimes these collectors will cross the line in their attempts to contact you.

They are not allowed to contact you before 8 A.M. of after 9 P.M.

Collectors may not contact you at work if you have stated that it will cause a problem with your employer.

Contact with anyone that you listed as a reference is permitted as long as they abide by the correct times of day rule.

Debt collectors cannot make false statements or threaten you any way. Sometimes a debt collector may ask for a post dated check to make arrangements for payments.

It is against the law for them to deposit this check before the date posted on the check.

Any attempt to seize property must be done thru legal means and possibly ruled on by a judge.

Not many people realize that debt collectors cannot contact you by post card. You also need to know that debt collectors cannot use a false name or company name when attempting to contact you.

Tim Grimsley
next ....

Article source: Expert Articles

Most Recent Articles in Debt Relief category

  • Top 3 Debt Relief Solutions - By: Justin Narin
    There are as many forms of debt relief out there as there are ways to get into debt. You've probably heard terms like debt consolidation and credit counseling, but have you heard of debt resolution, debt settlement and debt roll-up? Since there are so many debt relief alternatives, it is important to learn about all of the options and then assess what your primary needs are - so that you can pick the debt relief option that best fits your needs.
  • Debt Reduction FAQ's - Freedom Debt Relief - By: Murali Bhat
    FDR's Debt Reduction Program, also know as Debt Negotiation or Debt Settlement, is an aggressive approach to becoming debt free. It is appropriate for debtors with a serious amount of debt or who are considering credit counseling or bankruptcy.
  • How to be debt free - By: Justin Narin
    Many Americans are burdened with large amounts of debt and struggle to make the monthly payments. If you are in debt, then Use these debt pointers to help you get debt free.
  • Why You Should Pay Off Your Debts With Your Savings - By: Andy Jones
    You can be far better off by paying off your debts with your savings. By not doing this you are lining the banks pockets and simply throwing money away.
  • Top Ten Ways To Get Out Of Debt - By: Andy Jones
    If you don't deal with your debt problems, they will soon grow quickly out of control so you must face facts and address your debt issues now. By failing to take action now, you may be risking financial ruin. Follow these top tips to get out of debt so you can live a happier, debt free life.
  • How To Avoid Debt While Using Credit Cards - By: Andy Jones
    Although credit cards are so useful and convenient, so many people get into financial difficulties when using them. But it is possible to avoid debt while using your credit cards.
  • Debts are harsh, do away with them - By: Jason Holmes
    Debts can impact your financial status miserably. But you can take control of your finances before they get out of hand. Opting for debt consolidation can be the first step to a debt free life.
  • Debt Relief Program - By: Shane Peeler
    Debt relief can be any consolidation program that provides freedom from debt or help in the process of elimination. There are many alternative solutions to debt problems that are more or less efficient according to an individual's situation and debts involved.
  • Debt Elimination May Be Your Best Debt Cure - By: Jim Vrana
    Too much credit card debt is a financial disease that needs to be cured. Selecting the best debt cure can be a confusing and stressful experience. It is a personal decision on how a person can relieve their debt burden.
  • What should you do if you have credit card debt? - By: Simon Duffy
    Yesterday I read some worrying news that credit card spending is still increasing dispite the past 12 months warning we've had in the form of the credit crunch...