Stop Harassing Collection Phone Calls Now!

Stop Harassing Collection Phone Calls Now!

Most debt collectors prefer to call delinquent credit card debtors to the phone to threaten them into paying their debts. It is important to note that this is an illegal practice. You have every right to take legal action against debt collectors that harassed you over the phone. According to the Federal Fair Debt Collection Practices Act, a person is prohibited to make improper threats or allegations if a debt is not paid.

The simplest way to stop harassments over the phone is to buy a voice recorder. This device will allow you to obtain concrete evidence to pin abusive debt collectors. Of course, know that the laws regarding the legality of taping telephone conversations will vary from state to state. However, regardless what start you are located, it is important that you give the debt collector a notice that you are recording the telephone conversation.

This warning alone could change the nature of the call altogether. If you are located in a one party state, inform the person on the other line that the phone conversation is being recorded. On the other hand, if you live in a two party state, you will need to ask the permission of the other person on the line to record the call. For most debt collectors who prefer to lie or threaten their way to a quick buck, they will simply hang up. If they still want to continue with the conversation being recorded, they will mind their manners and be on their best behavior.

However, if a debt collector violated the FDCPA by harassing you and making legal assertions, you can present the recorded conversation as evidence of the offense. You can file a written complaint with the government authority or agency that regulates and governs debt collection in your local area. BY doing so, your taped conversation will hold weight and be given due attention.

You could also file a complaint that alleges violation of the Federal Fair Debt Collection Practices Act with your local small claims court. Give your testimony that the call was received on the given date at a given time and that you recorded the conversation. Present the recording to the court. This is enough evidence for you to receive the statutory fine or penalty of $1,000.00 as set forth in the FDCPA.

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