{"id":147,"date":"2024-12-24T19:53:17","date_gmt":"2024-12-24T19:53:17","guid":{"rendered":"https:\/\/debtfreecounselor.com\/?page_id=147"},"modified":"2024-12-24T19:53:33","modified_gmt":"2024-12-24T19:53:33","slug":"stop-harassing-debt-collection-calls","status":"publish","type":"page","link":"https:\/\/debtfreecounselor.com\/creditcaretips\/debtcollection.html","title":{"rendered":"Stop Harassing Debt Collection Calls"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"900\" height=\"240\" src=\"https:\/\/debtfreecounselor.com\/wp-content\/uploads\/2024\/12\/gavel.jpg\" alt=\"Stop Harassing Debt Collection Calls\" class=\"wp-image-148\" srcset=\"https:\/\/debtfreecounselor.com\/wp-content\/uploads\/2024\/12\/gavel.jpg 900w, https:\/\/debtfreecounselor.com\/wp-content\/uploads\/2024\/12\/gavel-300x80.jpg 300w, https:\/\/debtfreecounselor.com\/wp-content\/uploads\/2024\/12\/gavel-768x205.jpg 768w\" sizes=\"auto, (max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading\">The Fair Debt Collection Practices Act (FDCPA)<\/h4>\n\n\n\n<p>This is the law that governs how collection agencies may operate their business. Under the FDCPA, within five days of contacting you about a debt, a debt collector is legally required to send you a written notice:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00a0 Detailing how much you owe \u00a0 Including the original name of the creditor \u00a0 Notifying you of your rights if you believe you do not owe the money<\/li>\n<\/ul>\n\n\n\n<p>If you don&#8217;t receive this proper notification, we often recommend that consumers do not speak or deal with a collection agency except to contact the agency and demand that they provide this to you under the terms of the FDCPA.<br><br>The debt collector is required to send you documented proof of the debt you owe, or by law, they must stop contacting you. The Fair Debt Collection Practices Act includes other protections for consumers including prohibiting collectors from:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00a0 Calling you at work \u00a0 Threatening to take action against you \u00a0 Issuing a warrant for your arrest \u00a0 Using obscene language \u00a0 Talking to your friends or family members about a debt<\/li>\n\n\n\n<li>They&#8217;re often representing companies who&#8217;ve &#8220;purchased&#8221; your debt from your original lender for pennies on the dollar, and they may be working for commission based upon how much money they can extract from you!<br><br>It is up to you to know your rights under the law and hold their feet to the fire!<br><br>If collectors are calling you and debt has become a problem, this is a sign that you have unsecured debt. The good news is that unsecured debt can often be eliminated rather quickly through debt relief. You can speak to one of our counselors today to find out about what options are available to you. <a>Click here<\/a> to visit our application page, or call now &#8211; <strong>(877) 479-4545<\/strong><\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/debtfreecounselor.com\/creditcaretips\/management.html\">Debt Management Tips<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Fair Debt Collection Practices Act (FDCPA) This is the law that governs how collection agencies may operate their business. Under the FDCPA, within five days of contacting you about a debt, a debt collector is legally required to send you a written notice: If you don&#8217;t receive this proper notification, we often recommend that &hellip; <a href=\"https:\/\/debtfreecounselor.com\/creditcaretips\/debtcollection.html\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Stop Harassing Debt Collection Calls&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-147","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Debt Collection | Credit Care Tips | Debt FREE Counselor<\/title>\n<meta name=\"description\" content=\"Consumers should know how to protect themselves from credit debt collection for credit cards, personal loans, and medical bills. 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